Director, Senior Leader Consumer Credit Risk & Testing Strategy (Hybrid)

$170,000 - $300,000/Yr

Citigroup - Wilmington, DE

Full-time - Senior

Wilmington, DE

Credit Intermediation and Related Activities

About the position

The Senior Leader - Consumer Credit Risk & Testing Strategy is responsible for managing multiple teams and defining a comprehensive testing and validation framework that integrates credit risk models and decisioning platforms within consumer lending portfolios. This role focuses on aligning testing frameworks with the organization's credit risk management goals, leading large-scale initiatives, and influencing the strategic direction of the credit risk function across the organization. The position requires strong leadership, strategic planning, and collaboration with senior stakeholders to ensure compliance with regulatory requirements and business growth objectives.

Responsibilities

• Define and lead the implementation of a multi-year strategic vision for credit risk testing frameworks.
• Oversee the integration and validation of advanced credit risk models and decisioning engines.
• Collaborate with C-suite executives to align testing and risk strategies with corporate objectives.
• Architect and implement scalable, enterprise-wide testing strategies for consumer credit risk.
• Lead initiatives that enhance the automation of testing processes.
• Establish a robust governance structure for testing and validation processes.
• Implement rigorous risk control measures within testing procedures.
• Drive continuous monitoring and validation efforts to ensure the integrity of credit risk strategies.
• Spearhead transformational initiatives incorporating emerging technologies into the credit risk testing environment.
• Foster a culture of innovation within the risk and testing teams.
• Lead and inspire a high-performing team of test managers and risk analysts.
• Utilize data-driven insights to inform executive leadership of credit risk testing strategies.
• Develop and present strategic reports to the C-suite regarding testing outcomes and risk exposures.

Requirements

• Undergraduate degree in Finance, Risk Management, Business Administration, or a related field.
• 15+ years of experience in credit risk management or financial services.
• At least 7+ years in a leadership role overseeing large-scale testing or validation initiatives.
• Proven track record in developing and leading enterprise-wide credit risk strategies and testing frameworks.
• Deep expertise in regulatory requirements governing consumer credit risk.
• Strong understanding of technology platforms and automation tools that support risk model testing.

Nice-to-haves

• Experience incorporating AI/ML or advanced statistical methodologies into credit risk testing processes.

Benefits

• Medical, dental & vision coverage
• 401(k)
• Life, accident, and disability insurance
• Wellness programs
• Paid time off packages including vacation, sick leave, and paid holidays