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. Additionally, this group is pivotal for In-Business Balance Sheet Management, focusing on USPB Capital Resource Management, Recovery & Resolution planning, and Tangible Common Equity (TCE) analytics. This role is part of the In -Business Balance Sheet Management Team. This individual will be working on key analysis and driving key initiatives contributing to the successful management of capital constraints. **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. + Support the team in ongoing initiatives aimed at optimizing capital utilization, enhancing balance sheet efficiency, and improving risk management practices. + Be able to independently lead projects through tactical and strategic Risk Transformation Analytics projects **Qualifications** + 10+ 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 **Leadership Competencies** + Demonstrated history of driving change and managing for results. + Efficiently solves complex, ambiguous problems / situations. + Collaborative work style; effectively interacts with partners across organizational boundaries and hierarchies. + Contributes to a positive work environment and remain calm under pressure. + Consistently demonstrate clear and concise written and verbal communication. **Education** + Preferred Master’s degree in quantitative disciplines such as Financial Engineering, Operation Research, Econometrics, Statistics or similar quantitative discipline; OR MBA Finance ------------------------------------------------------ **Job Family Group:** Risk Management ------------------------------------------------------ **Job Family:** Portfolio Credit Risk Management ------------------------------------------------------ **Time Type:** Full time ------------------------------------------------------ **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. ------------------------------------------------------ _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._ _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 Citi’s_ _EEO Policy Statement (https://www.citigroup.com/global/eeo-aa-policy)_ _and the_ _Know Your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12ScreenRdr.pdf)_ _poster._ Citi is an equal opportunity and affirmative action employer. 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