Head of Risk - Non-Rewards Credit Cards Portfolio, Director (Hybrid)

The Head of Risk – Non‑Rewards Credit Cards Portfolio is a senior management‑level position responsible for setting the strategic direction for credit policies in alignment with Citi’s corporate goals. The individual will lead credit and underwriting strategies for the Non‑Rewards credit cards portfolio, balancing risk‑return and customer engagement while ensuring strategies operate under Citi’s risk appetite. They will champion enterprise initiatives to build a resilient portfolio and drive sustainable growth. The role requires managing a team to achieve these objectives. Responsibilities Set the long‑term vision and agenda for credit strategies for a credit card portfolio Manage risk levels consistent with program’s financial goals and Citi’s risk appetite Lead a best‑in‑class Risk team responsible for driving sustainable growth for business Partner with modeling team on new tools, machine learning and alternate data Partner with Operations leadership team to ensure best customer experience while maintaining robust risk management principles Ensure a consistent and strong control environment across Risk, product, and functional partners to manage operational risk, ensuring oversight of all strategic deliverables Continuously identify opportunities to improve business performance, effectiveness and efficiency through process improvements and talent management Leadership Competencies Capability and experience with establishing strategic vision and driving change to achieve business targets Senior executive interactions – can present credibly to both large and small groups Strong interpersonal skills and ability to influence at all levels of management Displays flexibility to work well with varying personal styles Takes personal responsibility to lead by example; understands and appreciates diverse backgrounds; demonstrates strong ethics Develops strong relationships across risk management and cross‑functional groups Superior leadership and team building skills, with a strong track record for attracting and developing high‑performing risk management talent Articulate and highly effective communicator, with an energetic and approachable style Capable of effectively managing a significant team size dispersed across multiple geographical locations, with strong ability to manage performance and continually elevate performance standards Contributes to a positive work environment; shares knowledge and supports diversity Qualifications 12+ years of relevant risk management or financial services experience required 5+ years of people management experience Possesses a complex mix of skills and leadership attributes including in‑depth knowledge of Cards P&L, sophisticated analytical abilities and the know‑how to lead statistically advanced analyses; interface with modeling teams on techniques such as machine learning or logistic regression Demonstrated excellence in managing an analytical team – experience in delivering large‑scale credit policy changes and communicating them to a diverse audience Experience in managing and negotiating with stakeholders to further a common agenda in a matrix environment Strong knowledge of the applicable laws and regulations and the current environment that govern credit card and lending policies and practices Demonstrated success in managing risk policy/strategy through economic cycles and various environments; protecting and growing the business as it enters and exits economic stress Ability to prioritize and project manage in a dynamic, fast‑paced environment A penchant for driving execution and analytical excellence through personal examples and ability to effectively engage and inspire the team Education Level Bachelor’s Degree, MBA/MS preferred; education includes demonstrated knowledge in an analytic field such as engineering, mathematics, or statistics. Benefits Salary range: $170,000.00 – $300,000.00. In addition to base salary, Citi may offer discretionary and formulaic incentive and retention awards. Employee benefits include medical, dental and vision coverage; 401(k); life, accident and disability insurance; wellness programs; paid time off (vacation, sick leave and paid holidays). For details, see citibenefits.com. Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to 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. #J-18808-Ljbffr Citi