U.S. Personal Banking (USPB) is a major business at Citi. The In-Business Credit & Franchise Risk Organization within USPB is responsible for managing the credit and franchise risk of the USPB business. The Head of In-Business Credit & Franchise Risk reports to the CEO of USPB. One of the groups within In-Business Credit & Franchise Risk Organization is Enterprise Risk and Balance Sheet Management. This group is responsible for executing Enterprise Risk Management (ERM) programs including Risk Identification, Risk Appetite & Limits, New Activities/Product Risk, ERM Risk Monitoring and framework execution. The team is also responsible for managing Balance Sheet constraints including capital-based risk appetite limit and Risk Weighted Assets (RWA). This role is part of the Retail Credit Limit Management & Balance Sheet Management Team. This individual will be working on key analysis and driving key initiatives contributing to the successful management of Capital-Based Stress Loss Limits. **Responsibilities** The candidate will be a key resource to perform or support the following responsibilities: + Lead analytics to manage **Risk Appetite** for Retail Credit and USPB business connecting to Capital & Strategic Plan. + Perform stress loss forecasting in alignment with **CCAR/CECL** framework, evaluate drivers to stress losses support recommendations for Risk Appetite limits to the Business CRO and CEO for approval. + Liaise with finance and business partners to evaluate forecasts as part of Outlook / Annual Plan, CCAR and implications to USPB capital-based stress losses, Risk Weighted Assets and other relevant balance sheet components. + Advocate for appropriate capacity and attribution of Capital reflective of business contribution. + Build sustainable business capabilities to proactively manage Risk Appetite limits. + Be able to independently lead the team through tactical and strategic Risk Transformation Analytics projects. **Qualifications** + 6+ years of work experience in financial services or management consulting + Working knowledge of Risk Appetite Framework and Credit Risk Policy + In depth understanding of Credit Cards, Mortgage and other consumer bank products P&Ls, key risk & return dynamics, and loss drivers. + Good understanding of Capital and Balance Sheet Management, CCAR & CECL framework + Experience with analytical or data management tools (e.g., SAS, SQL, VBA, Advanced Excel) + Excellent quantitative and analytical skills, ability to derive trends, insights, and perform risk/reward trade-off analysis. **Leadership Competencies** + Capability and experience to drive changes to achieve business targets. + Senior executive interactions - can present credibly to both large and small groups. + Strong interpersonal skills and ability to influence at all levels of management. + Displays flexibility to work well with varying personal styles. + Takes personal responsibility to lead by example. Understands and appreciates diverse backgrounds. + Demonstrates strong ethics. + Develops strong cross-functional relationships within and outside Risk Management. + Contributes to a positive work environment; shares knowledge and supports diversity. **Education** + Bachelor’s Degree required in statistics, mathematics, economics, or similar quantitative discipline. Master’s degree preferred. ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Credit & Portfolio Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **Primary Location:** Wilmington Delaware United States ------------------------------------------------------ **Primary Location Full Time Salary Range:** $114,720.00 - $172,080.00 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:** Dec 03, 2024 ------------------------------------------------------ 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.