Vice President managing consumer credit risk initiatives and compliance at Citi. Overseeing strategic leadership, team management, and regulatory adherence in a complex financial environment.
Responsibilities
Lead and manage teams responsible for credit risk initiatives, projects, and operations.
Oversee the end-to-end management of critical processes, from post-implementation validation to ongoing production monitoring and change management.
Foster a culture of accountability, continuous improvement, and regulatory excellence within teams.
Establish, implement, and enhance governance and control frameworks for credit risk platforms and data.
Proactively identify, assess, and mitigate operational risks, including control breaks and production issues.
Develop and manage robust monitoring processes to ensure system stability, performance, and data integrity.
Ensure strict adherence to regulatory requirements, particularly the Fair Credit Reporting Act (FCRA), as well as OCC, CFPB, and Fed regulations.
Collaborate with legal, compliance, and internal/external audit teams to ensure transparency, maintain audit trails, and address regulatory expectations.
Oversee the integration, transformation, and accurate utilization of credit risk data, including data from third-party credit bureaus.
Ensure data quality, accuracy, and timeliness throughout its lifecycle to support sound credit risk decisioning and regulatory reporting.
Act as a key liaison and thought partner, engaging with senior leadership and diverse internal stakeholders (Risk, IT, Operations, Compliance, Finance).
Build and maintain strong relationships with external vendors, credit bureaus, and regulatory bodies.
Drive consensus and alignment across functions on critical initiatives and strategic priorities.
Lead initiatives for continuous improvement and process optimization using methodologies like Lean or Six Sigma.
Drive innovation in data management, monitoring tools, and technology solutions, including leveraging AI/ML.
Enhance automation, scalability, and efficiency within the credit risk framework.
Requirements
Significant years of experience (typically 10+ years, with specific roles requiring 5+ years in team leadership) in credit risk management, financial services, technology operations, project management, or related highly regulated environments.
Proven track record of leading, mentoring, and developing high-performing teams.
Demonstrated ability to lead cross-functional initiatives and manage complex projects effectively.
Deep understanding of credit risk models, decisioning platforms, and regulatory reporting requirements.
Strong knowledge of regulatory frameworks impacting credit reporting and risk management, including FCRA.
Exceptional analytical skills to interpret complex data, assess risks, and evaluate business impacts.
Strong strategic thinking and problem-solving abilities to anticipate challenges and develop robust, long-term solutions.
Expertise in data governance, data integration, data transformation, and data quality assurance.
Proficiency in relevant tools and technologies such as SAS, SQL, and familiarity with modern monitoring, automation, and AI/ML concepts.
Excellent communication (verbal and written) and presentation skills.
Strong stakeholder management capabilities, with the ability to influence, negotiate, and drive consensus across diverse groups.
Benefits
Citi is an equal opportunity employer
qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law
reasonable accommodation to use our search tools and/or apply for a career opportunity
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