Head of Risk - Personal Loans, Director (Hybrid)

00002 Citibank, N.A.; Delaware; On-site; USD 170,000 - 300,000; Full time

Benefits offered by this job

Medical benefits

401(k) plan

Paid holidays

Job summary

Citibank, N.A. in Wilmington, DE seeks a Head of Risk - Personal Loans to set credit policy strategy and lead underwriting for the Personal Loans line. You will balance risk and growth while guiding a dispersed team across geographies.

You will partner with modeling and operations, strengthen controls, and deliver enterprise risk initiatives. A senior leader with 12+ years in risk management and 5+ years of people management is required.

Qualifications

• 12+ years of risk management or financial services experience
• 5+ years of people management experience
• Complex mix of skills including Loans and Cards P&L and analytics; ML/logistic regression
• Proven track record delivering large-scale credit policy changes
• Experience managing stakeholders in a matrix environment
• Strong knowledge of laws and regulations governing credit card and lending policies
• Ability to lead an analytics team and drive performance

Responsibilities

• Set long-term vision for credit strategies for Personal Loans
• Manage risk levels aligned with Citi's risk appetite and financial goals
• Lead a risk team driving sustainable growth for the business
• Partner with modeling team on tools, ML, and alternate data
• Collaborate with Operations leadership to balance customer experience with risk controls
• Maintain a strong control environment across Risk, product, and partners
• Identify opportunities to improve performance and efficiency through process improvements and talent management

Skills

Analytical Thinking

Constructive Debate

Escalation Management

Industry Knowledge

Policy and Procedure

Policy and Regulation

Process Execution

Product Knowledge

Risk Controls and Monitors

Risk Identification and Assessment

Education

Bachelor's Degree

MBA/MS preferred

Job description

The Head of Risk - Personal Loans is a senior management-level position responsible for setting the strategic direction for credit policies in alignment with Citi’s corporate goals. The individual will lead credit and underwriting strategies for Personal Loans line of business, with the goal of optimally balancing risk-return and customer engagement while ensuring strategies operate under Citi’s risk appetite. The individual will champion and lead enterprise initiatives that build a resilient Personal loans portfolio and drive sustainable growth. The individual will be responsible for accomplishing results through the management of a team.

Responsibilities:

• Set the long‑term vision and agenda for credit strategies for Personal Loans

• Manage risk levels consistent with program’s financial goals and Citi’s risk appetite.

• Lead a best-in‑class Risk team responsible for driving sustainable growth for business

• Partner with modeling team on new tools, machine learning and alternate data

• Partner with Operations leadership team to ensure best customer experience while maintaining the robust risk management principles

• Ensure a consistent and strong control environment across Risk, product, and functional partners to manage operational risk, ensuring oversight of all strategic deliverables

• Continuously identify opportunities to improve business performance, effectiveness and efficiency through process improvements and talent management

Leadership Competencies:

• Capability and experience with establishing strategic vision and driving change to achieve business targets

• Senior executive interactions - can present credibly to both large and small groups

• Strong interpersonal skills and ability to influence at all levels of management

• Displays flexibility to work well with varying personal styles

• Takes personal responsibility to lead by example. Understands and appreciates diverse backgrounds. Demonstrates strong ethics

• Develops strong relationships across risk management and cross-functional groups

• Superior leadership and team building skills, with a strong track record for attracting and developing high performing risk management talent

• Articulate and highly effective communicator, with an energetic and approachable style

• Capable of effectively managing a significant team size dispersed across multiple geographical locations, with strong ability to manage performance and continually elevate performance standards

• Contributes to a positive work environment; shares knowledge and supports diversity.

Qualifications:

• 12+ years of relevant risk management or financial services experience required

• 5+ years of people management experience

• Possesses a complex mix of skills and leadership attributes including in‑depth knowledge and experience of Loans and Cards P&L, sophisticated analytical abilities including the know‑how to lead statistically advanced analyses, interface with the modeling teams on techniques such as machine learning or logistic regression

• Demonstrated excellence in managing an analytical team - must have experience in delivering large‑scale credit policy changes and communicating them to a diverse audience

• Experience in managing and negotiating with stakeholders to further a common agenda in a matrix environment

• Strong knowledge of the applicable laws and regulations and the current environment which govern credit card and lending policies and practices

• Demonstrated success in managing risk policy/strategy through the economic cycle and/or in various environments; protecting and growing the business as it enters and exits economic stress

• Ability to prioritize and project manage in a dynamic, fast‑paced environment

• A penchant for driving execution and analytical excellence through personal examples and ability to effectively engage and inspire the team

Education Level :

• Bachelor’s Degree, MBA/MS preferred; Education includes demonstrated knowledge in an analytic field including engineering, mathematics, statistics

Job Family Group:

Risk Management

Job Family:

Portfolio Credit Risk Management

Time Type:

Full time

Primary Location:

Wilmington Delaware United States

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.

Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

Other Relevant Skills

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

Anticipated Posting Close Date:

Jun 12, 2026

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.

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