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The Credit Portfolio Senior Officer II 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 risk management activities associated with the retail credit portfolio

+ Validate new account strategy development, account management strategy development and non-scoring models

+ Ensure compliance with partner contract SLAs and management

+ Conduct internal and external oversight reviews

+ Partner with various groups including Relationship Management and the Operating Committee

+ Meet and exceed Partner/Citi Profit & Loss (P&L) and performance expectations

+ 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:

+ 15+ years of experience in financial services and risk management required

+ Experience with portfolio performance monitoring and diagnostics

+ Knowledge of toolsets including behavior scores, internal and external data sources, data mining/segmentation applications

+ Knowledge of card product P&L dynamics and the interaction of consumer behaviors, product configuration and market/economic environments

+ Knowledge and understanding of the retail partner business model

+ Proven analytic and negotiation skills

+ Demonstrated successful in managing risk policy/strategy through the economic cycle and/or in various environments

+ Consistently demonstrate clear and concise written and verbal communication

Education:

+ Bachelor's degree/University degree or equivalent experience

+ Master's degree preferred

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Primary Location:

Wilmington Delaware United States

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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.

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Anticipated Posting Close Date:

May 27, 2025

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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._

_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.