Senior Credit Risk: Acquisition Strategy & Policy Lead

Citi; Chicago (IL); On-site; USD 170,000 - 300,000; Full time

Job summary

Citi's US Consumer Card In-Business Risk team seeks a seasoned credit risk leader to design, govern, and optimize underwriting and line assignment strategies across the USCC portfolio. You will guide enterprise test-and-learn programs, balance growth with credit quality, and partner across Product, Marketing, Data Science, Technology, and Compliance to drive data-driven decisions.

The role demands extensive leadership experience, deep knowledge of credit policy, and a proven ability to translate

Qualifications

• 15+ years of experience in credit risk management or acquisitions 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.
• Consistently demonstrate clear and concise written and verbal communication.
• Proven negotiation skills, often used at a senior level.
• Demonstrated ability to synthesize, prioritize and drive results with urgency.

Responsibilities

• Lead design, execution, and governance of underwriting and line assignment strategies across the USCC portfolio.
• Lead enterprise acquisition risk strategies balancing growth, customer experience, and credit performance.
• Collaborate with Product, Marketing, Data Science, Technology, Operations, and Compliance teams to design, implement and validate acquisition strategies.
• Design and lead test-and-learn initiatives, including A/B testing and pilot programs.

Skills

Analytical Thinking

Risk Management Lifecycle

Portfolio Analysis

Governance

Policy

Regulation

Education

Bachelor's degree in statistics, mathematics, economics, or equivalent experience

Master’s/PhD degree is a plus

Job description

Citi's US Consumer Card In-Business Risk team seeks a seasoned credit risk leader to design, govern, and optimize underwriting and line assignment strategies across the USCC portfolio. You will guide enterprise test-and-learn programs, balance growth with credit quality, and partner across Product, Marketing, Data Science, Technology, and Compliance to drive data-driven decisions.

The role demands extensive leadership experience, deep knowledge of credit policy, and a proven ability to translate