Vice President, Credit Portfolio Officer (Retail Banking Risk Management)-Hybrid

Vice President, Credit Portfolio Officer (Retail Banking Risk Management) will be responsible for leading Risk Management analytical activities including credit review, development and maintenance of credit policy and monitoring the portfolio to identify credit migration in coordination with the broader Risk Management team.

Responsibilities:

• Develop, test, optimize, implement and manage credit policies for Unsecured Lending new acquisitions and existing customers.
• Manage the Unsecured Lending portfolio within Citi Risk Appetite through preparation and management to forecasts for credit losses and receivables.
• Understand applicable credit policies, industry regulations and the requisite impact of those governance items across the customer lifecycle.
• Establish and leverage cross-functional partnerships and network with key internal and external constituencies
• Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, forecasting and new program due diligence
• Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity
• Develop, utilize, and validate ongoing performance of scoring and/or non-scoring models to predict customer financial performance as a core tool in decision-making.
• Has the ability to operate with a limited level of direct supervision.
• Exercise independence of judgement and autonomy.
• Acts as SME to senior stakeholders and /or other team members.
• 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:

• 5+ years of experience in risk management or equivalent training and experience preferably in the financial services industry
• Proven ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize and prioritize
• Proven ability to remain organized in a fast-paced environment
• Demonstrated interpersonal, organizational and analytic skills

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred