Credit Risk - Acquisition Strategy and Capabilities
About The Position
This position resides within Citi’s US Consumer Card (USCC) In-Business Risk organization. It leads the design, execution, and governance of underwriting and line-assignment strategies across the USCC portfolio and oversees the enterprise test-and-learn framework across consumer products. The role supports acquisition credit policies for a portfolio exceeding $150 billion that generates 15 million new accounts annually, balancing growth, customer experience, and credit performance while advancing data capabilities and underwriting practices. The position works across Product, Marketing, Data Science, Technology, Operations, and Compliance to develop, implement, and validate acquisition strategies. It evaluates emerging tools, alternative data, and analytics; leads experiments to optimize decisioning; monitors performance and recommends policy changes; and presents results and recommendations to senior leadership. It also leads and develops risk and analytics professionals, maintains compliance and controls, and champions modernization of the acquisition originations platform.
Requirements
- 15 or more years of experience in credit risk management, or less experience with relevant acquisitions credit risk experience.
- Demonstrated accountability for delivery of a full range of services to one or more businesses or geographic regions.
- Clear and concise written and verbal communication skills.
- Proven negotiation skills, often used at a senior level.
- Ability to synthesize and prioritize information and drive results with urgency.
- Ability to gain support and buy-in across a wide range of internal and external audiences.
- Bachelor’s or university degree in statistics, mathematics, economics, or equivalent experience.
Nice To Haves
- Experience in the financial services industry.
- Master’s or PhD degree.
- Experience as a credit policy manager, with the ability to adapt to changing technology and governance and regulatory demands.
- Creative problem-solving and willingness to explore new ideas.
- Strong judgment, attention to detail, and ability to investigate issues in depth.
- Leadership ability, including challenging the status quo and fostering talent development.
Responsibilities
- Lead development and execution of enterprise acquisition risk strategies, balancing growth, customer experience, and credit performance.
- Support management and optimization of acquisition credit policies for a portfolio exceeding $150 billion and generating 15 million new accounts annually.
- Evaluate emerging capabilities and work with data and technology providers to incorporate tools, alternative data sources, and advanced analytics into acquisition decisioning.
- Collaborate with Product, Marketing, Data Science, Technology, Operations, and Compliance 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, conduct root-cause analyses, and recommend strategic policy enhancements.
- Present portfolio performance, risk assessments, insights, and strategic recommendations to senior and executive leadership.
- Lead, mentor, and develop a team of risk and analytics professionals.
- Ensure adherence to internal policies, regulatory requirements, and governance expectations.
- Maintain a strong control environment and ensure acquisition strategies are executed safely, soundly, and compliantly.
- Champion the acquisition originations platform and align business, risk, and technology stakeholders to modernize decisioning, data integration, and strategy deployment capabilities.
- Deliver measurable business outcomes and ensure seamless execution of platform modernization.
Benefits
- Medical coverage
- Dental coverage
- Vision coverage
- 401(k)
- Life insurance
- Accident insurance
- Disability insurance
- Wellness programs
- Paid vacation
- Paid sick leave
- Paid holidays
- Discretionary and formulaic incentive and retention awards for eligible employees
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Director
