Senior Credit Risk Policy Management Officer

Citi

Senior Officer managing Citi's credit risk portfolio exposure globally. Leading key projects in credit cards risk management with significant experience required.

Posted 6/26/2026full-timeWilmington • Illinois • 🇺🇸 United StatesSenior💰 $144,480 - $216,720 per yearWebsite

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Lead key business projects in credit cards risk management across the customer lifecycle such as Acquisitions, CLI, CLD, Balance Transfer, and Loss Forecasting within the first line of defense of risk management.
Lead the implementation of initiatives related to policy governance and manage policy exceptions/approvals and entries
Focus on process improvement and creating efficiencies by ensuring an effective approach and partnership with Audit management and apply consumer risk function knowledge (e.g., scoring and segmentation techniques and their uses)
Conduct gap analyses and remediation work of any misalignments for credit policy changes
Ensure test and significant credit changes are adequately reported and tracked and Peak Ending Net Receivables (ENRs) are adequately approved and stored systemically
Provide regular feedback on all initiatives, tracking, reviews and reporting emerging trends and opportunities to senior management
Establish cross-functional partnerships and networks to contribute to and execute cross-functional and business initiatives, such as developing/maintaining infrastructure through partnership with the Centralized Risk Infrastructure team.
Maintain close working relationships with Cards Product team, Finance, Analytics, and Risk management.
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Requirements

What you’ll need

10+ years of experience in credit risk management or equivalent training and experience preferably in the financial services industry
Experience in people management and leadership
Working knowledge of SAS or SQL programming and MS Office software proficiency required
Consistently demonstrate clear and concise written and verbal communication
Demonstrated ability to view data holistically and remain detail oriented to synthesize, prioritize and deliver results with urgency
Demonstrated interpersonal, organizational, analytical, presentation, facilitation, negotiation and strategic skills
Proven ability to obtain support and buy-in across a wide range of internal and external audiences
Demonstrated work ethic and influencing skills

Benefits

Comp & perks

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

credit risk managementSASSQLdata analysisgap analysisprocess improvementpolicy governancescoring techniquessegmentation techniquesreporting

Soft Skills

leadershipcommunicationinterpersonal skillsorganizational skillsanalytical skillspresentation skillsfacilitation skillsnegotiation skillsstrategic skillswork ethic