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Job Overview

The Credit Risk Modernization Program Leader is aligned to the multi-year roadmap activities impacting Credit Risk, Technology, Operations, Marketing, etc. and will be responsible for leading the strategic planning, execution, and governance of all workstreams and initiatives aligned with the roadmap as we modernize, centralize, simplify and accelerate processes. This position will own and drive the long-term technology roadmap for Credit Risk, ensuring alignment with business strategy, regulatory requirements, and emerging technology trends. The role will serve as a strategic partner to senior business and technology leaders and will work with cross-functional key partners to drive and deliver on streamlining technologies into a modern platform, enabling centralized capabilities, identifying simplification opportunities, and improve the acceleration and interpretation of data insights. This leader is a key contributor to the organizations vision for maintaining a robust credit risk framework, balancing innovation with regulatory expectations, and ensuring operational resilience. 

This leader is a key contributor to the organizations vision for maintaining a robust credit risk framework, balancing innovation with regulatory expectations, and ensuring operational resilience. The individual will serve as a strategic partner to senior business and technology leaders, providing oversight for multi-million-dollar investments that impact credit risk management capabilities and overall business performance.

Responsibilities:

• Lead key business projects and the 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 apply 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 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/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 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 that 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 organizations 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 organizations 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 that all technology solutions meet compliance and risk management expectations.

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Primary Location:

Wilmington Delaware United States

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Primary Location Full Time Salary Range:

$144,480.00 - $216,720.00

In addition to salary, Citis 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.

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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.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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Anticipated Posting Close Date:

May 21, 2026

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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.

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