The VP, Credit Portfolio Officer is a senior-level position responsible for leading activities including credit review, credit approvals and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is develop and manage credit risk strategies for new customer acquisitions.

Responsibilities:

• Develop credit strategies to drive improvements on Acquisitions program performance.

• Identify opportunities to continuously drive innovation in underwriting and well-mange credit risk

• Develop framework for risk assessment including evaluation of credit and financial performance across varied lending products and industry segments

• Manage and drive underwriting strategy changes to improve Return on Capital

• Understand applicable credit policies, industry regulations and the requisite impact of those governance items to prospective new partners or product initiatives

• Establish and leverage cross-functional partnerships and network with key internal and external constituencies

• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence

• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity

• Has the ability to operate with a limited level of direct supervision.

• Can exercise independence of judgement and autonomy.

• Acts as SME to senior stakeholders and /or other team members.

• 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.

Qualifications:

• 6-10 years of experience in credit card risk management or equivalent training and experience preferably in the financial services industry

• 3-5 years of experience in data analytics, and acquisition strategy

• Proven ability to apply credit and risk principles toward business goals

• Demonstrated ability to synthesize and prioritize

• Proven ability to remain organized in a fast-paced environment

• Demonstrated interpersonal, organizational and analytic skills

Education:

• Bachelor's degree/University degree or equivalent experience

• Master's degree preferred

Position sits in Wilmington DE only. No relocation will be offered and position is hybrid only. No 100% remote work arrangement is available for this position.

Job Family Group:

Risk Management

Job Family:

Credit & Portfolio Risk Management

Time Type:

Full time

Primary Location:

Wilmington Delaware United States

Primary Location Full Time Salary Range:

$114,720.00 - $172,080.00

In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.

Anticipated Posting Close Date:

Sep 12, 2024

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm) .

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Citi is an equal opportunity and affirmative action employer.

Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.