Credit Risk Modernization Program Leader, Senior Vice President (Hybrid)

The Credit Risk Modernization Program Leader is aligned to the multi‑year roadmap activities impacting Credit Risk, Technology, Operations, Marketing, and more. The role leads strategic planning, execution, and governance of all workstreams and initiatives that modernize, centralize, simplify, and accelerate processes. The leader owns the long‑term technology roadmap for Credit Risk, ensuring alignment with business strategy, regulatory requirements, and emerging technology trends. Acting as a strategic partner to senior business and technology leaders, the leader drives streamlining technologies into a modern platform, enabling centralized capabilities, identifying simplification opportunities, and accelerating data insights. The role contributes to the organization’s vision for a robust credit risk framework, balancing innovation with regulatory expectations and ensuring operational resilience. Responsibilities Lead key business projects and implementation of initiatives related to policy governance and manage policy exceptions/approvals and entries. Focus on process improvement and creating efficiencies by ensuring an effective approach and partnership with Audit management and applying consumer risk function knowledge (e.g., scoring and segmentation techniques and their uses). Conduct gap analyses and remediation work of any misalignments for policy changes. Ensure test and significant credit changes are adequately reported and tracked and that Peak Ending Net Receivables (ENRs) are adequately approved and stored systemically. Provide regular feedback on all initiatives, tracking, reviews and reporting emerging trends and opportunities to senior management. Establish cross‑functional partnerships and networks to contribute to and execute cross‑functional and business initiatives, such as developing and maintaining infrastructure through partnership with the Centralized Risk Infrastructure team. Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Qualifications 10+ years of experience in credit risk management in the financial services industry. Experience in people management and leadership. Working knowledge of SAS or SQL programming and MS Office software proficiency is required. Consistently demonstrate clear and concise written and verbal communication. Demonstrated ability to view data holistically and remain detail oriented to synthesize, prioritize and deliver results with urgency. Demonstrated interpersonal, organizational, analytical, presentation, facilitation, negotiation and strategic skills. Proven ability to obtain support and buy‑in across a wide range of internal and external audiences. Demonstrated work ethic and influencing skills. Education Bachelor’s degree/University degree or equivalent experience. Master’s degree preferred. Additional Job Description Technology & Risk Alignment Collaborate closely with the Credit Risk, Compliance, and Technology teams to ensure technology investments support the broader credit risk management strategy and operational goals. Drive the development and implementation of innovative solutions that enhance credit risk management capabilities, including automation, data integration, and rules engine optimization. Ensure that all technology programs are designed to mitigate risk, enhance decision‑making, and improve the organization’s ability to adapt to evolving credit risk environments. Stakeholder Engagement & Communication Serve as the primary liaison between business leaders, technology teams, and external stakeholders, ensuring effective communication and alignment across the organization. Provide regular updates to executive leadership on program performance, risks, and opportunities, ensuring transparency and accountability for all technology investments. Lead executive steering committees, providing strategic direction on program priorities, investment decisions, and resource allocation. Risk & Compliance Focus Ensure that all credit risk technology programs are aligned with the organization’s risk appetite, regulatory framework, and operational goals. Lead initiatives to enhance governance and control frameworks for credit risk technology solutions, ensuring robust processes for managing risks, issues, and changes. Collaborate with internal audit and regulatory teams to ensure all technology solutions meet compliance and risk management expectations. Salary Range: $144,480.00 - $216,720.00 Location: Wilmington, Delaware, United States Time Type: Full time 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, view Citi’s Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. #J-18808-Ljbffr