Citi Retail Services provides consumer and commercial credit card products, both private label and cobranded, to retailers and their clients across North America. The business serves nearly 75 million accounts for several iconic brands, including Best Buy, ExxonMobil, Macy's, Sears, Shell, Wayfair and The Home Depot. In addition to credit services, Citi Retail Services distinguishes itself by offering cutting-edge digital options, multi-channel retailing expertise and industry-leading analytics capabilities that help retailers grow their businesses.

The Credit Portfolio Sr Manager a highly visible senior level position that resides within the Citi Risk Management department and is responsible for the existing account strategies across all

partnerships. As part of the Citi Retail Services Risk Management team, the successful candidate will be responsible for analyzing, developing credit policies and executing ideas, projects and initiatives designed to achieve business growth and loss mitigation goals. This role involves driving credit risk initiatives within existing account risk management such as Credit Line Increases, Credit Line Decreases, Authorizations and Account Closures. The ideal candidate will have several years of credit risk management experience, strong statistical and data analysis skills, SAS or similar statistical tool skills, and the ability to derive rigorous segmentation results based on business knowledge and objective judgment of the balance between risk and reward for the portfolio. This position will have high cross functional and partner interactions and requires strong interpersonal skills.

Responsibilities:

• Lead risk financial forecasting efforts for credit tests and changes
• Develop, test, optimize and implement existing account credit strategies and policies
• Ensure that all existing account credit strategies and policies adhere to Risk Appetite as well

as individual partner financial goals

• Present strategies and policies to senior management for approval, including credit, fair

lending and legal forums

• Manage risk levels for the existing account credit across all Citi Retail Service partners and

retail formats consistent with program financial goals

• Track and report on initiatives, performance results, emerging trends and opportunities to

senior management

• Establish cross-functional partnerships and networks in order to support the executive cross functional and business initiatives
• 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, as well as effectively

supervise the activity of others and create accountability with those who fail to maintain

these standards

• Understand applicable credit policies, industry regulations and the requisite impact of those

governance items on initiatives

Qualifications:

The ideal candidate will have 6+ years of relevant experience in a large, sophisticated credit granting or risk management organization within a major consumer card, financial services, retailing or consulting business. A strong analytical orientation and an appreciation for broad-based risk issues and a familiarity with operations are desired. In addition, the successful candidate will possess and be able to exhibit the following skills and requirements:

• Experience in Statistical tools - SAS/SQL, R, Python, Knowledge Studio
• Experience building credit policy strategies, preferably on a credit card portfolio
• Demonstrated experience in leading change, with a track record of identifying and

implementing opportunities to improve business operations and performance

• Working knowledge of the applicable laws and regulations that govern lending in a large

financial institution

• The ability to apply credit and risk principles toward business objectives
• Excellent overall business judgment and solid management skills
• Strong interpersonal, analytical and problem-solving skills
• Proven skills to manage effectively across functional areas in a matrix-organization
• The candidate must demonstrate strong organizational skills, have strong multi-tasking

ability and an ability to learn and apply new skills quickly

• Understanding of consumer credit profit and loss drivers
• Consistently demonstrate clear and concise written and verbal communication and able to prepare presentations for executive level audience
• Demonstrated ability to synthesize, prioritize and drive results with urgency
• Ability to obtain support and concurrence across a wide range of internal and external audiences

Education:

• Bachelor's degree/University degree
• Master's degree preferred

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Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

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