The Franchise Risk Oversight function in the US Cards Independent Risk organization is responsible for providing oversight and effective review & challenge of Risk Appetite and Limit Setting, the Risk ID process, Concentration Risk, RWA, and Capital Limit Setting Stress Loss exercises.

The SVP, Risk Appetite and Limits, will play a key role in implementing the Risk Appetite Framework (RAF) processes globally across the Consumer businesses. The SVP will collaborate with key stakeholders in first and second lines (Business, Risk and Finance), and Enterprise Risk Management to help manage the firm’s capital and adherence to its RAF.

Responsibilities

• Develop guidelines and coordinate business activities to enhancing and evolve the Risk Appetite Framework which includes taxonomy, statements, metrics, and assessments consistent with enterprise-wide Risk Governance Framework
• Manage the Oversight and Review and Challenge of proposed Risk Appetite Statements and Assessments, Risk Identification process, retail credit risk metrics, stress testing outcomes, and Key Risk Indicators, which includes documenting assessment of rationale, methodology, and alignment with enterprise policy and Risk Appetite Statements
• Lead efforts to update governance related to new or enhanced Enterprise RAF policy and processes in partnership with the first line, including risk return framework and associated metrics for business strategy evaluation
• Manage reporting and communications to key stakeholders on Risk Appetite at a global level (Board, regulatory, senior management reporting).
• Independently analyze and challenge in-business outcomes related to Risk Appetite, Limits, and Stress Testing

Qualifications

• 10+ years of risk management or related analytical/technical experience is required
• With relevant experience in the following areas:
• Consumer or Wealth Management credit risk management
• Consumer or Wealth Management Risk Analytics & Reporting
• Risk management re-engineering
• Management of policies and risk frameworks
• Governance and project management
• Capital Analysis and Stress Testing
• Loss Forecasting, CCAR, CECL, and Basel/RWA
• Excellent written and verbal communication skills with the ability to independently prepare presentations for an executive level audience, and communicate complex concepts to a wide range of stakeholders
• Strong interpersonal, relationship management and influence skills
• Strong analytical skills with ability to understand and solve complex problems via practical analyses that will enable optimal decision making
• Experience interpreting regulatory guidance and working with regulators
• Detailed-oriented with a high level of intellectual curiosity and strong sense of ownership
• Contributes to a positive work environment; shares knowledge and supports diversity
• Remains calm and optimistic under pressure

Education

• Bachelor’s degree required, Master’s or other advanced Degree preferred with a quantitative or financial discipline

Job Family Group:

Risk Management

Job Family:

Portfolio Credit Risk Management:

Time Type:

Full time

Primary Location:

Irving Texas 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, 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:

Apr 23, 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.

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.