Credit Risk - Acquisition Strategy and Capabilities

Credit Risk - Acquisition Strategy And Capabilities

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you'll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

We, at Citi, believe in the power of data and analytics driven decision making. Our high-quality financial products and services enable consumers and businesses to prosper and grow in domestic markets, as well as internationally. We put the customers at the center of everything we do and data at the center of how we do it. We continue to combine our scale, digital capabilities, and ecosystem to be where our customers need us to be. Data Science enables us to make our decisions better, faster and our products and services relevant to our customers.

We have made it a priority to foster a culture of inclusion where the best people want to work, where people are promoted on their merits, where we value and demand respect for others, and where opportunities to develop are widely available to all.

Job Description

This position is within Citi's USPB In-Business Unsecured Lending Risk. This role will lead the design and execution of the acquisition risk strategy for emerging channels (e.g. online prequal, paid media) and manage the test-and-learn program across the Unsecured lending portfolios (Cards, Personal Loans, Merchant Installment Loans, Lines of credit). This role will be responsible for ensuring that credit strategies are analytically sound, compliant with regulatory expectations, and aligned with bank's risk appetite and growth objectives.

In this role, you will

• Support management & optimization of the acquisition credit policies for a $150B+ portfolio that generates 15MM new accounts annually
• Continuously explore new capabilities. Partner with data and platform providers to onboard the latest tools, alternative / partner data and technology
• Partner cross functionally with Product, Marketing, data science, marketing, and compliance teams to design, implement, and validate acquisition strategies for the emerging channels.
• Design and lead test-and-learn experiments (A / B tests, pilots) to validate assumptions, quantify tradeoffs, and calibrate underwriting / line assignment logic
• Monitor new initiatives and monitor vintage performance on a granular level, perform root cause analysis, and recommend policy adjustments
• Present portfolio performance, risk assessments, and strategic recommendations to executive leadership
• Lead, mentor, and grow a team of risk and analytics professionals
• Ensure adherence to internal and external regulatory expectations
• Ensure strategies are executed in a strong control environment

We will be thrilled to have someone who is

Basic Qualification

Education :

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.