Position Outline: Strategic Initiatives and Analysis Lead for the Customer Credit Engagement Oversight organization within Independent Risk, a second line of defense organization focused on oversight and effective challenge for all aspects of credit operations and collections in the Credit Cycle from Credit Initiation through Collections & Recoveries across retail consumer lending portfolios within the US and internationally. Requires thorough understanding of strategic direction of the retail / consumer lending businesses within the US and International landscapes, combined with a solid conceptual/practical grounding in both the function's oversight responsibilities and credit and collections operations. An expert understanding of the industry, direct competitors' products and services, and emerging technologies is necessary in order to provide the analysis required to challenge commercial objectives of the business including credit cards, residential real estate mortgages and home equity lines, and unsecured personal loans. Excellent communication skills required in order to negotiate internally, often at a senior level. Some external communication/negotiation may be necessary. Determines approach to implementing functional strategy: responsible for executing functional strategy in area managed and accountable for end results, budgeting, planning, policy formulation and contribution to future strategy of the function. Impact reflects strategic influence on the business and interaction with other functions or businesses. Full management responsibility for team including management of people, budget and planning, to include duties such as performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval. This position is an integral member of the leadership team of the CCEO function. **Responsibilities:** + Oversee the analytical, competitive intelligence, and strategic initiative function within the CCEO team. This team is responsible for ensuring the 1st line of defense (1LOD) is executing against Retail Credit Risk (RCR) Policy relative to the risk disciplines of Consumer Credit Engagement across Credit Cycle (Credit Initiation, Existing Customer Management, Collections, and Recoveries, including Asset Sales). + Deliver the data analysis capabilities needed to execute on deep-dive testing, loan level reviews, and control challenges of 1LOD Credit Operations by leading team of data experts. + Own the agenda and materials creation of regular reviews with regulators and internal senior stakeholders (Board, Control Forums, Risk Committees). + Ensure satisfactory completion of key governance expectations of the CCEO team including closure of formal issues and corrective action plans, maintain process risks/controls/monitoring documentation including regular formal re-assessments of team processes and risks. Rationalize and uplift team governance routines. + Develop always-on competitive intelligence to identify best practices relative to strategies and tactics across the Consumer Credit Engagement continuum, leveraging industry consultants, financial releases, and other available data. Challenge 1LOD's strategic roadmaps relative to best-in-class capabilities. + Lead effort to standardize and simplify processes and routines leveraged by the broader CCEO team to perform key responsibilities. + Ensure that assessments of portfolios, credit risk processes, risk ratings and classifications, staffing models and others as related to oversight activities are consistent and properly reported to senior management + 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. + Provide information and counsel to the head of Customer Credit Engagement and the Independent Risk Management senior leadership team on Consumer Credit Engagement areas. + Improve the depth and breadth of senior Collections management bench strength by identifying, developing and recruiting senior credit risk managers. **Qualifications:** + 15+ years financial services experience including detailed credit experience. Experience in underwriting and collections in multiple consumer / retail asset classes preferred. + Strong quantitative analytical skills including 5+ years of experience directly working with data and managing others who analyze data is a core requirement. + Skilled at analyzing root causes of problems and anticipating “horizon” issues + Strategically minded with track record of execution excellence + Hands-on orientation with the demonstrated ability to set up internal processes to communicate and resolve issues + Demonstrated ability to establish relationships and partner effectively with peers and various groups + Proven financial acumen, critical thinker with ability to provide an impartial, consultative and solutions-oriented approach + Consistently detail-oriented, goal-oriented and able to work in a team + Excellent communication skills required in order to influence a wide range of audiences. Senior executive presence. Ability to communicate complex issues in concise executive summaries and via presentations. + Prior success working in a large, highly-matrixed and complex organization + Technical knowledge, in-depth knowledge of Profit and Loss (P&L) and understanding of end to end business operating systems. **Education:** + Bachelor’s/University degree, Master’s degree preferred. Strong preference for degree in quantitative field such as engineering, finance, economics. This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Risk Framework and Policy ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location:** Irving Texas United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $170,000.00 - $300,000.00 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. ------------------------------------------------------ **Anticipated Posting Close Date:** Mar 11, 2025 ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. 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. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. 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 review **Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)** . View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo\_aa\_policy.pdf) . View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp\_%20English\_formattedESQA508c.pdf) Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.