Consumer Credit Risk Officer

Role Overview

• Ensuring accuracy, integrity, security, and quality of data
• Implementing robust data governance frameworks and controls
• Managing data integration from various sources, especially third-party credit bureaus
• Ensuring strict adherence to legal and regulatory standards (FCRA, OCC, CFPB, Federal Reserve)
• Applying compliance across all data processes, systems, and reporting
• Identifying, assessing, and mitigating risks related to data quality, credit risk models, and regulatory non-compliance
• Acting as a key liaison and collaborating with internal stakeholders (e.g., Risk, IT, Compliance, Legal, Finance, Business units)
• Leading initiatives to drive automation, enhance efficiency, and improve scalability of data management, testing, and compliance
• Contributing to the development and implementation of credit risk strategies
• Ensuring operational excellence in credit risk processes.

Requirements

• Bachelor's degree in a relevant field (Finance, Risk Management, IT)
• 2+ years of experience in consumer credit risk management or financial services
• Understanding of credit risk models and decisioning systems
• Strong capabilities in data analysis, data integration, and managing complex data sets
• Proficiency with relevant technical tools and platforms (e.g., SAS, SQL)
• Analytical mindset to interpret complex data and identify issues
• Clear and concise verbal and written communication skills
• Solid understanding of the regulatory landscape affecting credit reporting and risk management.
• Demonstrated leadership potential and ability to influence and collaborate effectively.

Tech Stack

• SQL

Benefits

• 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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