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Lead Citi’s personal loan risk strategy and drive portfolio growth.
Senior management role in Wilmington, hybrid, $170k–$300k salary.
Title: Head of Risk - Personal Loans, Director (Hybrid)
Title: Head of Risk - Personal Loans, Director (Hybrid)
Discover your future at Citi
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
The Head of Risk - Personal Loans is a senior management-level position responsible for setting the strategic direction for credit policies in alignment with Citi’s corporate goals. The individual will lead credit and underwriting strategies for Personal Loans line of business, with the goal of optimally balancing risk-return and customer engagement while ensuring strategies operate under Citi’s risk appetite. The individual will champion and lead enterprise initiatives that build a resilient Personal loans portfolio and drive sustainable growth. The individual will be responsible for accomplishing results through the management of a team.
Responsibilities
Set the long-term vision and agenda for credit strategies for Personal Loans
Manage risk levels consistent with program’s financial goals and Citi’s risk appetite.
Lead a best-in‑class Risk team responsible for driving sustainable growth for business
Partner with modeling team on new tools, machine learning and alternate data
Partner with Operations leadership team to ensure best customer experience while maintaining the robust risk management principles
Ensure a consistent and strong control environment across Risk, product, and functional partners to manage operational risk, ensuring oversight of all strategic deliverables
Continuously identify opportunities to improve business performance, effectiveness and efficiency through process improvements and talent management
Leadership Competencies
Capability and experience with establishing strategic vision and driving change 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 relationships across risk management and cross-functional groups
Superior leadership and team building skills, with a strong track record for attracting and developing high performing risk management talent
Articulate and highly effective communicator, with an energetic and approachable style
Capable of effectively managing a significant team size dispersed across multiple geographical locations, with strong ability to manage performance and continually elevate performance standards
Contributes to a positive work environment; shares knowledge and supports diversity.
Qualifications
12+ years of relevant risk management or financial services experience required
5+ years of people management experience
Possesses a complex mix of skills and leadership attributes including in-depth knowledge and experience of Loans and Cards P&L, sophisticated analytical abilities including the know‑how to lead statistically advanced analyses, interface with the modeling teams on techniques such as machine learning or logistic regression
Demonstrated excellence in managing an analytical team - must have experience in delivering large-scale credit policy changes and communicating them to a diverse audience
Experience in managing and negotiating with stakeholders to further a common agenda in a matrix environment
Strong knowledge of the applicable laws and regulations and the current environment which govern credit card and lending policies and practices
Demonstrated success in managing risk policy/strategy through the economic cycle and/or in various environments; protecting and growing the business as it enters and exits economic stress
Ability to prioritize and project manage in a dynamic, fast‑paced environment
A penchant for driving execution and analytical excellence through personal examples and ability to effectively engage and inspire the team
Education Level
Bachelor's Degree, MBA/MS preferred; Education includes demonstrated knowledge in an analytic field including engineering, mathematics, statistics
Job Family Group
Risk Management
Job Family
Portfolio Credit Risk Management
Time Type
Full time
Primary Location
Wilmington Delaware 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.
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
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date
Jun 12, 2026
Citi is an equal opportunity employer, and 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.
Citi is an equal opportunity employer, and 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.
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View Citi’s EEO Policy Statement and the Know Your Rights poster.