SVP - Business Balance Sheet Management & Strategic Analytics - Hybrid

Citigroup Inc.; Schaumburg (IL); On-site; USD 144,000 - 217,000; Full time

Job summary

Citigroup Inc. in Schaumburg, Illinois seeks a Senior Vice President to lead In-Business Balance Sheet Management & Strategic Business Analytics for US Consumer Cards.

You will build and guide a team of quantitative analysts to model P&L and capital impacts of major strategic decisions, partnering with executive leadership to balance profitability and regulatory compliance. The role requires 10+ years in financial services or consulting, deep CCAR/CECL knowledge, and strong leadership with

Qualifications

• 10+ years of progressive experience in financial services or management consulting.
• Expert knowledge of consumer banking products, including P&L drivers and KPIs.
• Deep knowledge of capital and balance sheet management frameworks (CCAR, CECL, Basel III Endgame, RRP).
• Forecasting models for balance sheet and P&L components.
• Proven experience leading quantitative teams and delivering insights from risk/reward analysis.
• Strong project management with a track record of delivering complex analytics on tight deadlines.

Responsibilities

• Lead, mentor, and develop a high-performing team of quantitative analysts.
• Own performance management, talent development, and succession planning.
• Lead analytical support for pricing initiatives and portfolio pricing optimization.
• Develop methodologies to measure revenue, balances, losses, and portfolio outcomes.
• Partner with Finance and Risk teams on planning, forecasting, and portfolio assessments.

Skills

Analytical Thinking

Credible Challenge

Governance

Policy

Procedure

Risk Management Lifecycle

Portfolio Analysis

Executive communication

Education

Bachelor's degree in a quantitative discipline

Master’s degree in quantitative field or MBA in Finance

Tools

Excel

Tableau

Power BI

SAS

Python

R

Hadoop

Spark

Job description

Role Summary

We are seeking a strategic, quantitative leader to join the US Consumer Cards In-Business Credit & Franchise Risk Organization. As the Senior Vice President of In-Business Balance Sheet Management & Strategic Business Analytics, your mission will be to build and lead the analytical engine that drives profitable, resilient growth for a multi-billion-dollar credit card portfolio.

You will be responsible for steering USCC business strategies in response to evolving capital and funding dynamics. This is a high-impact role where you will lead a team of quantitative analysts to model the P&L and capital impacts of major strategic decisions, partnering directly with executive leadership to shape the future of the business and optimize for both profitability and regulatory compliance.

Key Responsibilities

1. Executive Leadership & Team Development

• Lead, mentor, and develop a high-performing team of quantitative analysts, fostering a culture of analytical rigor, intellectual curiosity, and innovation.
• Serve as the team's expert guide on complex quantitative models, advanced statistical analysis, and data-driven decision-making.
• Own performance management, talent development, and succession planning for the team.

2. Pricing Risk Analytics

• Lead analytical support for pricing initiatives, including APR actions, fee strategies, and portfolio pricing optimization.
• Quantify the risk, credit loss, customer behavior, and profitability impacts of pricing decisions.
• Develop analytical frameworks to evaluate risk-adjusted returns and long-term portfolio performance.

3. Test & Control Design Analytics

• Lead test-and-control design, performance measurement, and incremental impact analysis for major Cards initiatives.
• Develop methodologies to measure revenue, balances, losses, customer engagement, and portfolio outcomes.
• Provide analytical recommendations to optimize business strategies and customer treatments.

4.Balance Sheet & Financial Analytics

• Support business balance sheet management, portfolio profitability, and capital efficiency analysis.
• Evaluate the P&L, balance sheet, reserve, and capital impacts of strategic business actions.
• Partner with Finance and Risk teams on planning, forecasting, and regulatory-related portfolio assessments.

5. Stakeholder Management

• Partner across Business, Pricing, Risk, Finance, Product, and Franchise organizations.
• Translate complex analytical findings into clear, executive-ready recommendations.
• Present strategic insights and business implications to senior leadership and governance forums.

Qualifications

• 10+ years of progressive experience in financial services or management consulting, with a strong focus on credit risk, capital management, and financial planning.
• Expert knowledge of consumer banking products (especially Credit Cards), including P&L drivers, risk/return dynamics, and key performance indicators.
• Deep, practical knowledge of capital and balance sheet management frameworks, including CCAR, CECL, Basel III Endgame, and Recovery & Resolution Planning.
• Proven experience developing and implementing forecasting models for balance sheet and P&L components.
• Demonstrated ability to lead quantitative teams and derive actionable insights from complex risk/reward trade-off analysis.
• Strong project management skills with a proven track record of delivering complex analytical solutions on tight deadlines.

Technical Proficiency

• High proficiency in Excel and data visualization tools (Tableau, Power BI).
• Hands-on experience with, or demonstrated experience leading teams that heavily utilize, statistical programming languages (e.g., SAS, Python, R).
• Experience leveraging large-scale data platforms (e.g., cloud data warehouses, Hadoop/Spark environments) is highly desirable.

Leadership Competencies

• A demonstrated history of driving change, managing for results, and solving complex, ambiguous problems.
• A collaborative work style with the ability to build strong relationships and influence partners across organizational boundaries and hierarchies.
• Executive presence with consistently clear, concise, and persuasive communication skills (both written and verbal).
• A forward-thinking leader who can drive innovation while maintaining a detailed, end-to-end view of the business.

Education

• Bachelor's degree in a quantitative discipline (e.g., Finance, Economics, Statistics, Engineering) is required.
• Master’s degree in a quantitative field (Financial Engineering, Operation Research, Statistics) or an MBA in Finance is strongly preferred.

------------------------------------------------------

Job Family Group:

Risk Management

------------------------------------------------------

Job Family:

Portfolio Credit Risk Management

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Primary Location:

Schaumburg Illinois United States

------------------------------------------------------

Primary Location Full Time Salary Range:

$144,480.00 - $216,720.00

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, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.

------------------------------------------------------

Anticipated Posting Close Date:

Oct 08, 2026

------------------------------------------------------

Automated Processing and AI

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. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.

Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.

Illinois residents – AI Notice and Right

------------------------------------------------------

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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.