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

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 Non‑Rewards credit cards portfolio, with the goal of optimally balancing risk-return and customer engagement while ensuring strategies operate under Citi’s risk appetite. The individual will champion and lead enterprise initiatives that build a resilient Non‑Rewards credit cards portfolio and drive sustainable growth. The individual will be responsible for accomplishing results through the management of a team. 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 the 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 and experience of Cards P&L, sophisticated analytical abilities including the know‑how to lead statistically advanced analyses, interface with the modeling teams on techniques such as machine learning or logistic regression Demonstrated excellence in managing an analytical team – must have 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 applicable laws and regulations and the current environment which govern credit card and lending policies and practices Demonstrated success in managing risk policy/strategy through the economic cycle and/or in 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 including engineering, mathematics, statistics Compensation & Benefits Primary location: Wilmington, Delaware, United States. Salary range: $170,000.00 – $300,000.00. In addition to salary, Citi offers discretionary and formulaic incentive and retention awards. Benefits include medical, dental & vision coverage; 401(k); life, accident and disability insurance; wellness programs; paid time off (planned and unplanned) and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Offerings may vary by jurisdiction, job level and date of hire. Additional Information 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. Anticipated Closing Date June 12, 2026 Equal Opportunity Employer 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. #J-18808-Ljbffr Citigroup Inc.