The Risk Policy Officer is a strategic professional who stays abreast of developments within own field and contributes to directional strategy by considering their application in own job and the business. Recognized technical authority for an area within the business. Requires basic commercial awareness. There are typically multiple people within the business that provide the same level of subject matter expertise. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Significant impact on the area through complex deliverables. Provides advice and counsel related to the technology or operations of the business. Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.

　　Responsibilities:

　　Responsibility covers managing portfolio risk policy for the aligned products, focusing on growing and maintaining healthy portfolios through line and various accounts maintenance programs such as limit increase/ decrease, accounts renewals/ closure, cross-selling between products

　　Manage merchant policy for Cards product, focusing on healthy merchant business through managed exposure and governing of merchant acquiring policy

　　Manage 3rd party exposure and key money policy (as applicable), ensuring controllable exposure according to risk appetite

　　Work together with counterparts from Business, Sales, Credit Operations, Decision Management, Operations & Technology to ensure correct policy implementation at an operational level

　　Interact with regional counterparts for policy approval and adherence to Global/Regional Policy requirement

　　Provide analytics at portfolio and segment levels for the purpose of monitoring, making policy adjustments, provide sound credit decisions with the ultimate goal of optimizing risk and rewards

　　Work together with the Risk MIS team, in charge of Credit Risk Reporting and Portfolio Quality Review Reporting, as well as facilitating ad-hoc reporting as needed

　　Responsible for reporting and accuracy of critical portfolio data returns to the Bank's key regulators

　　Responsible for the regular validation as well as new development of the portfolio score & segmentation models through collaboration with regional and global risk analytics team

　　Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

　　Qualifications:

　　6-10 years experience in Statistics/Analytics/Decision Management will be desirable

　　Highly ethical and with integrity

　　Excellent verbal and written English communication skills

　　Effective listening skills

　　Candidates must have effective negotiation skills, a proactive and 'no surprises' approach in communicating Risk issues, strength in sustaining autonomous views

　　Able to work across levels in risk management and also with other operations and business teams

　　Excellent Presentation skills – adept at presenting effectively to audiences of various sizes and adapting style as necessary

　　Able to identify and influence key decision makers across various levels and functions within the organization

　　Able to work in a rapidly changing external environment and support business in a highly competitive and challenging market

　　Education:

　　Bachelor’s/University degree, Master’s degree preferredThis job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

　　Other requirements:

　　Expertise in consumer portfolios (5 yrs +)

　　English (desirable not mandatory)

　　Job Family Group:

　　Risk Management

　　Job Family:

　　Risk Policy

　　Time Type:

　　Full time

　　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.

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