Credit Risk - Acquisition Strategy and Capabilities

Job Opportunity At Citi

We, at Citi, believe in the power of data and analytics driven decision making. Our high-quality financial products and services enable consumers and businesses to prosper and grow in domestic markets, as well as internationally. We put the customers at the center of everything we do and data at the center of how we do it. We continue to combine our scale, digital capabilities, and ecosystem to be where our customers need us to be. Data Science enables us to make our decisions better, faster and our products and services relevant to our customers. We have made it a priority to foster a culture of inclusion where the best people want to work, where people are promoted on their merits, where we value and demand respect for others, and where opportunities to develop are widely available to all.

Job Description

This position is within Citi's USPB In-Business Unsecured Lending Risk. This role will lead the design and execution of the acquisition risk strategy for emerging channels (e.g. online prequal, paid media) and manage the test-and-learn program across the Unsecured lending portfolios (Cards, Personal Loans, Merchant Installment Loans, Lines of credit). This role will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank's risk appetite and growth objectives. In this role, you will :

• Support management & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
• Continuously explore new capabilities. Partner with data and platform providers to onboard the latest tools, alternative / partner data and technology
• Partner cross functionally with Product, Marketing, data science, marketing, and compliance teams to design, implement, and validate acquisition strategies for the emerging channels.
• Design and lead test-and-learn experiments (A / B tests, pilots) to validate assumptions, quantify tradeoffs, and calibrate underwriting / line assignment logic
• Monitor new initiatives and monitor vintage performance on a granular level, perform root cause analysis, and recommend policy adjustments
• Present portfolio performance, risk assessments, and strategic recommendations to executive leadership
• Lead, mentor, and grow a team of risk and analytics professionals
• Ensure adherence to internal and external regulatory expectations
• Ensure strategies are executed in a strong control environment

We will be thrilled to have someone who is :

Basic Qualification

15+ years of experience in credit risk management or lesser with relevant experience in acquisitions credit risk

Experience in the financial services industry preferred

Demonstrated accountability for delivery of a full range of services to one or more businesses / geographic regions

Consistently demonstrate clear and concise written and verbal communication

Proven negotiation skills, often used at a senior level

Demonstrated ability to synthesize, prioritize and drive results with urgency

Ability to obtain support and buy-in across a wide range of internal and external audiences

Education

Bachelor's / University degree in statistics, mathematics, economics, or equivalent experience. Master's / PhD degree is a plus

Job Family Group

Risk Management

Job Family

Portfolio Credit Risk Management

Time Type

Full time

Primary Location

Wilmington Delaware United States

Primary Location Full Time Salary Range

$170,000.00 - $300,000.00

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.

Most relevant skills : Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other relevant skills : For complementary skills, please see above and / or contact the recruiter.

Anticipated posting close date : Oct 09, 2025

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. 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). View Citi's EEO Policy Statement (https : / / www.citigroup.com / global / eeo-aa-policy) and the Know Your Rights (https : / / www.eeoc.gov / sites / default / files / 2023-06 / 22-088_EEOC_KnowYourRights6.12ScreenRdr.pdf) poster. Citi is an equal opportunity and affirmative action employer. Minority / Female / Veteran / Individuals with Disabilities / Sexual Orientation / Gender Identity.