Citi Retail Services - Vice President, Credit & Portfolio Risk Manager in Atlanta, Georgia

  • Primary Location: United States,Georgia,Atlanta

  • Education: Bachelor's Degree

  • Job Function: Risk Management

  • Schedule: Full-time

  • Shift: Day Job

  • Employee Status: Regular

  • Travel Time: Yes, 10 % of the Time

  • Job ID: 17065741


About Citi

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.

Citi’s Mission and Value Proposition explains what we do and Citi Leadership Standards explain how we do it. Our mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We strive to earn and maintain our clients’ and the public’s trust by constantly adhering to the highest ethical standards and making a positive impact on the communities we serve. Our Leadership Standards is a common set of skills and expected behaviors that illustrate how our employees should work every day to be successful and strengthens our ability to execute against our strategic priorities.

Diversity is a key business imperative and a source of strength at Citi. We serve clients from every walk of life, every background and every origin. Our goal is to have our workforce reflect this same diversity at all levels. Citi has made it a priority to foster a culture where the best people want to work, where individuals are promoted based on merit, where we value and demand respect for others and where opportunities to develop are widely available to all

This position resides inside the Citi Risk Management department and part of the existing customer management team for commercial portfolios. Responsibilities will include development, implementation and tracking of risk strategies for Private Label cards. This position will have cross-functional and partner interactions.


Support the effort to continue the growth of the business by continually searching for opportunities to improve activation and profitability risk dynamics. This position will drive risk assessment for portfolio growth initiatives and play a key role in validating existing criteria and incrementing profitability thresholds.

The ideal candidate will have experience in a large, sophisticated credit granting or risk management organization within a major consumer card, financial services, or retailing business. Their experience will have been in an environment, where risk assessment, technological sophistication, and data mining techniques are critical to their success. This individual will bring a strong analytical orientation, an appreciation for broad-based risk issues and a familiarity with operations. This person will have a demonstrated record of performance including balancing portfolio growth and profitability in a sophisticated, fast-paced consumer credit environment complimented by overall business judgment.

Candidate will be responsible for:

  • Developing, testing, and optimizing credit policies including full accountability for implementation of those policies & processes.

  • Manage risk levels for the entire credit spectrum across multiple products and retail formats consistent with program financial objectives.

  • Apply an excellent working knowledge of risk analytics which include scoring and segmentation techniques and their use.

  • Tracking and reporting of initiatives and reporting performance results, emerging trends and opportunities to senior management on a timely basis.

  • Developing and maintaining the data infrastructure to support initiatives.

  • Research customer and/or management queries using risk systems and data

  • Support ad-hoc risk policy analysis and projects as required

  • Ensure regulatory compliance

Key Collaboration Points

  • Senior Citi Risk Management, Senior Partner Risk Management (THD) Management, Marketing, Finance, Decision Management

  • Understand and contribute to execution of business strategy through management of key business projects.

  • Establish solid cross-functional partnerships and networks to contribute and execute cross-functional and business initiatives.


Leadership Competencies

  • Strong Business and Data analytical skills with proven track record of complex processes and data analysis/deliverables

  • Ability to manage multiple priorities and dealing effectively with demanding business partners

  • Ability to work under tight deadlines

  • Excellent verbal and written communication and presentation skills

  • Ability to interact successfully with business partners, operations, technology and finance teams

  • Strong planning, coordination and organization skills

  • Ability to work effectively in a cross-functional organization

  • Ability to work effectively in a cross-functional organization

  • Microsoft Office (Word, Excel, PowerPoint, Access) experience

  • Good project management

Business and Technical Requirements

  • 5+ years experience with credit policy analytics and development, preferably on a card portfolio.

  • Bachelors degree in a quantitative discipline or business. Masters preferred.

  • Extensive knowledge of SAS programming including macro and SQL programming including SAS / SAS Enterprise Miner / SAS Enterprise Guide