Citi US | Credit Risk - Acquisition Strategy and Capabilities

Responsibilities

• 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.
• 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.
• Support management & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually.
• 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.
• Creative –who can take a concept and give it shape and structure. Is not afraid to ask questions and loves playing with new ideas.
• 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.
• 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.

Requirements

• 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.
• 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.
• Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience. Master’s/PhD degree is a plus.
• Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.
• Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product.
• Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Citi US

Citi US is an employer hiring in India (sector: BFSI / Investments / Insurance).

Its finance, accounts, audit and tax openings in India are mostly in New York, Getzville, Tampa and Miami.

• Industry: BFSI / Investments / Insurance