Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
The Credit Risk Policy Management Senior Officer (Credit Portfolio Senior Officer) position 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 to manage Citi's portfolio exposure to client and counterparties globally.
Responsibilities:
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.
Qualifications:
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
Education:
Bachelor's degree in Engineering, Financial Engineering, Finance, Economics, Mathematics, Statistics, Computer Science or a related discipline
Master's degree preferred
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Risk Management
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Portfolio Credit Risk Management
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Full time
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Wilmington Delaware United States
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$144,480.00 - $216,720.00
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.
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Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.
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Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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Jul 02, 2026
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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
