Job Description

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 resides within Citi's US Consumer Card (USCC) In-Business Risk organization. The role is responsible for leading the design, execution, and governance of underwriting and line assignment strategies across the USCC portfolio, while overseeing the enterprise test-and-learn framework across all consumer products.

In this role, you will

• Lead the development and execution of enterprise acquisition risk strategies, balancing growth, customer experience, and credit performance, while ensuring the organization remains at the forefront of industry innovation, data capabilities, and underwriting practices.
• Support management & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
• Continuously evaluate emerging capabilities and partner with data and technology providers to incorporate leading tools, alternative data sources, and advanced analytics into acquisition decisioning.
• Collaborate with Product, Marketing, Data Science, Technology, Operations, and Compliance teams to design, implement, and validate acquisition strategies across traditional and emerging channels.
• Design and lead test-and-learn initiatives, including A/B testing and pilot programs, to validate hypotheses, quantify trade-offs, and optimize underwriting and line assignment strategies.
• Monitor new initiatives and vintage performance at a granular level, conduct root cause analyses, and recommend strategic policy enhancements.
• Present portfolio performance, risk assessments, key insights, and strategic recommendations to senior and executive leadership.
• Lead, mentor, and develop a high-performing team of risk and analytics professionals.
• Ensure adherence to all internal policies, regulatory requirements, and governance expectations.
• Maintain a strong control environment and ensure acquisition strategies are executed in a safe, sound, and compliant manner.
• Champion the acquisition originations platform, aligning business, risk, and technology stakeholders to modernize decisioning, data integration, and strategy deployment capabilities while ensuring seamless execution and measurable business outcomes.

We will be thrilled to have someone who is

• An experienced credit policy manager – who has the vision and can adapt to changing technology and the demands of the governance and regulation.
• Creative –who can take a concept and give it shape and structure. Is not afraid to ask questions and loves playing with new ideas.
• Has good Judgment – knows when something does not add up and is not right. Has attention to details and can get into the weeds when needed.
• A Leader – leads by example and is not afraid to challenge status quo. Inspires people with presence. Knows talent when they see it and will create a conducive environment to nurture and grow it.

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:

Schaumburg Illinois 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, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

Other Relevant Skills

Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Anticipated Posting Close Date:

Nov 13, 2026

Automated Processing and AI

We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

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.

View Citi’s EEO Policy Statement and the Know Your Rights poster.