Citigroup, Inc

Risk Policy Senior Officer I

Citigroup, Inc$181K — $205K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor's degree in Finance, Commerce, Economics, Accounting or related field.
  • 6 years of experience in credit risk or financial analysis roles.
  • Proficient in financial P&L analysis, simulations, and NPV calculations.
  • Expertise in portfolio governance concepts and Management Information Systems.
  • Advanced knowledge of retail credit products, specifically unsecured loans.

Responsibilities

  • Utilize statistical tools like Excel, SAS, and SQL for risk analysis and reporting.
  • Collaborate on ongoing portfolio reporting to measure credit risk and interpret trends.
  • Challenge new initiatives and changes in strategies or products from a risk perspective.
  • Guide in-business risk teams on compliance with risk appetite and policies.
  • Analyze data to identify credit risk behavior patterns among customers.
  • Lead initiatives to enhance the retail credit risk management framework.
  • Prepare presentations for senior management on risk topics.

Benefits

  • Medical, dental & vision coverage
  • 401(k) plan
  • Life, accident, and disability insurance
  • Wellness programs
  • Paid time off including vacation, sick leave, and holidays
Full Job Description
Citibank, N.A. seeks a Risk Policy Senior Officer I for its Wilmington, Delaware location.

Duties: Use statistical and data analysis tools and methodologies including Excel, SAS, and SQL to perform risk management strategic analysis and reporting. Collaborate on and manage ad-hoc analyses and ongoing portfolio reporting to measure and monitor credit risk, interpret trends, and explain key drivers for financial analysis and planning from a second line of defense / independent risk management perspective. Challenge proposed new initiatives, strategy changes and new product programs. Provide oversight and guidance to in-business risk teams to ensure adherence to risk appetite and financial plans, and compliance with retail credit risk management policies. Identify attributes from external and internal data sources to analyze expected credit behavior used to segment customers with similar risk profiles and identify credit risk behavior patterns. Lead or collaborate on strategic initiatives focusing on optimizing the bank's retail credit risk management framework. Ensure compliance with consumer credit risk policies and identify opportunities and best practices to enhance retail credit risk policy. Perform governance activities for independent risk including assessing appropriate controls, including internal and external audits and policy governance task. Prepare presentations and materials for senior risk management. A telecommuting/hybrid work schedule may be permitted within a commutable distance from the worksite, in accordance with Citi policies and protocols.

Requirements: Requires a Bachelor's degree (3 or 4 year), or foreign equivalent, in Finance, Commerce, Economics, Accounting or related field and 6 years of experience as a Credit Risk Analyst, Financial Analyst, Consumer Business Operational Risk & Control, Assistant Vice President - Sales Planning & Performance Management, Relationship Manager or related position in the retail credit risk management industry. 6 years of experience must include: Financial P&L analysis, including simulations and NPV; Financial analysis / portfolio performance evaluation; Financial planning, including budgeting & financial forecasting; Expertise in portfolio governance concepts and Management Information Systems; Advanced knowledge of the retail credit lending industry and products, especially unsecured products, including credit cards and personal loans; and Advanced knowledge of U.S. banking regulations with particular emphasis on retail lending and bank safety & soundness. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #[redacted]. Citi offerings may include discretionary incentive & retention awards for eligible employees. Citi also offers competitive benefits. See citibenefits.com.

Wage Range: $181,400 to $205,400

Job Family Group: Risk Management

Job Family: Risk Framework and Policy

Job Family Group:

Job Family:

Time Type:
Full time

Primary Location:
Wilmington Delaware United States

Primary Location Full Time Salary Range:

In addition to salary, Citi's 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.

Most Relevant Skills
Please see the requirements listed above.

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

Anticipated Posting Close Date:
Aug 07, 2026

About Citigroup, Inc

Citigroup is a financial services holding company that provides financial products and services. The company operates through two segments, Global Consumer Banking (GCB) and Institutional Clients Group (ICG). The GCB segment offers traditional banking services to retail customers through retail banking, commercial banking, Citi-branded cards, and Citi retail services. The ICG segment offers various banking, and financial products and services to corporate, institutional, public sector, and high-net-worth clients. This segment provides wholesale banking products and services, including fixed-income and equity sales and trading, foreign exchange, prime brokerage, derivative services, equity and fixed-income research, corporate lending, investment banking, and advisory services, private banking, cash management, trade finance, and securities services. Citi is committed to sustainability and social responsibility, and the company invests in initiatives that promote economic progress.

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Learn more about Citigroup, Inc
Market Cap
$1.3 billion
Industry
Net Income
$89.6 million
Founded
1812
5 Year Trend
+4.6%
NASDAQ

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