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. This position is within Citi’s USPB In-Business Unsecured Lending Risk. This role will develop, implement and monitor credit policy strategies and capabilities for new account originations across the Unsecured lending portfolios (Cards, Personal Loans, Merchant Installment Loans, Lines of credit). You 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 are expected to: ** - Support design, development & optimization of the acquisition credit policies for a $150B portfolio that generates 15MM new accounts annually - Perform quantitative analyses to assess risk-adjusted return, risk segmentation, and tradeoffs in acquisition policy changes - Prepare proposals and review with the stakeholders within Risk, document the effective challenge and incorporate inputs in revising the proposals - Collaborate with digital and marketing teams on channel specific underwriting policies - Partner with modeling team on new tools, machine learning and alternate data - Develop a testing framework to deploy learnings faster using repeatable playbooks and monitoring routines - Track and report on initiatives, performance results, emerging trends and opportunities to senior management - Ensure adherence to internal and external regulatory expectations - Respond to effective challenge from second line - Serve as SME for audits, model use and implementation of strategies - Ensuring strategies are executed in a strong control environment - We will be thrilled to have someone who is - An experienced credit policy manager – who has the vision and can adapt to changing technology and the demands of the governance and regulation. - Creative –who can take a concept and give it shape and structure. Is not afraid to ask questions and loves playing with new ideas. - Has good Judgment – knows when something does not add up and is not right. Has attention to details and can get into the weeds when needed. **As a successful candidate, you’d ideally have the following skills and exposure** - 10 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 - 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 - Ability to obtain support and buy-in across a wide range of internal and external audiences **Education:** - Bachelor’s/University degree in statistics, mathematics, economics, or equivalent experience.  - Master’s/PhD degree is a plus *This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.* Working at Citi is far more than just a job. A career with us means joining a family 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. Take the next step in your career, apply for this role at Citi today Citi Careers | Find Your Next Opportunity ------------------------------------------------------ **Job Family Group: ** Risk Management------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management------------------------------------------------------ **Time Type:** Full time------------------------------------------------------ **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.------------------------------------------------------ *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.*