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This position is within the Cards Collections and Recovery Risk team. As part of this team, the successful candidate will be responsible for helping manage Recovery and late stage Collections Strategy, Operations Oversight, and daily interaction with the Collections and Recovery policy and operations teams. The role is accountable for supporting cooperative deployment of strategies designed to meet portfolio Risk Appetite goals and the execution of routines to monitor a full spectrum of processes. The individual will work closely with the Collections and Recovery Operations team, Collections and Recovery Policy team and Cards Risk Management leaders to ensure alignment between strategy and operations areas.

Responsibilities:

o Manage a team of analysts and senior analysts located throughout the US and India.

o Optimizing existing late stage collections and recovery strategies pertaining to legal treatments, asset sales, external agencies, and internal recovery unit.

o Working across Internal Recovery and Agency risk peer groups to optimize full end-to-end recovery life cycle of accounts from both a lifetime liquidation and Net Present Value perspective.

o Representing Risk Management on inter-departmental Process Teams.

o Participating in creating system requirements for new collections and recovery strategies and represent Risk Management throughout the development life cycle of a new strategy or policy.

o Making recommendations and communicating the results to senior management.

o Evaluating effectiveness of current collections and recovery policies and strategies.

o Making significant contributions in the development of analytical tools used in the assessment of Collections and Recovery risk and policy.

o 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Qualifications:

o Four-year degree in Statistics, Economics, Engineering, Finance, Mathematics, or a related quantitative field, or equivalent work experience; Graduate degree is highly desirable

o Minimum 10 years of related analytic experience in a collections or recovery environment

o Minimum 5+ years of experience in statistical analysis with working knowledge of at least one of the following statistical software packages: SAS, SPSS, Python, Statistica, S+ or some equivalent or R/ R Studio

o Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency

o Strong project management ability

o Consistently demonstrate clear and concise written and verbal communication

o Previous management experience

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Education:

+ Bachelors level degree in Business, Statistics, Mathematics, or Engineering, or equivalent work experience. Master’s degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

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Job Family Group:

Risk Management

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Job Family:

Risk Framework and Policy

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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:

$156,160.00 - $234,240.00

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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Most Relevant Skills

Analytical Thinking, Change Management, Communication, Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Risk Controls and Monitors, Risk Identification and Assessment, Stakeholder Management.

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Other Relevant Skills

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

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Anticipated Posting Close Date:

Nov 17, 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.