Head of Risk - Non-Rewards Credit Cards Portfolio, Director (Hybrid)

About the position

The Head of Risk - Non-Rewards Credit Cards Portfolio is a senior management-level position responsible for setting the strategic direction for credit policies in alignment with Citi’s corporate goals. The individual will lead credit and underwriting strategies for Non-Rewards credit cards portfolio, with the goal of optimally balancing risk-return and customer engagement while ensuring strategies operate under Citi’s risk appetite. The individual will champion and lead enterprise initiatives that build a resilient Non – Rewards credit cards portfolio and drive sustainable growth. The individual will be responsible for accomplishing results through the management of a team.

Responsibilities

• Set the long-term vision and agenda for credit strategies for a credit card portfolio
• Manage risk levels consistent with program’s financial goals and Citi’s risk appetite.
• Lead a best-in-class Risk team responsible for driving sustainable growth for business
• Partner with modeling team on new tools, machine learning and alternate data
• Partner with Operations leadership team to ensure best customer experience while maintaining the robust risk management principles
• Ensure a consistent and strong control environment across Risk, product, and functional partners to manage operational risk, ensuring oversight of all strategic deliverables
• Continuously identify opportunities to improve business performance, effectiveness and efficiency through process improvements and talent management

Requirements

• 12+ years of relevant risk management or financial services experience required
• 5+ years of people management experience
• Possesses a complex mix of skills and leadership attributes including in-depth knowledge and experience of Cards P&L, sophisticated analytical abilities including the know-how to lead statistically advanced analyses, interface with the modeling teams on techniques such as machine learning or logistic regression
• Demonstrated excellence in managing an analytical team - must have experience in delivering large-scale credit policy changes and communicating them to a diverse audience
• Experience in managing and negotiating with stakeholders to further a common agenda in a matrix environment
• Strong knowledge of the applicable laws and regulations and the current environment which govern credit card and lending policies and practices
• Demonstrated success in managing risk policy/strategy through the economic cycle and/or in various environments; protecting and growing the business as it enters and exits economic stress
• Ability to prioritize and project manage in a dynamic, fast-paced environment
• A penchant for driving execution and analytical excellence through personal examples and ability to effectively engage and inspire the team
• Bachelor's Degree, MBA/MS preferred; Education includes demonstrated knowledge in an analytic field including engineering, mathematics, statistics

Benefits

• 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