Cobrand Cards Financial Officer - C13 jobs at Citi Group in United States, Wilmington

Requirements: Requires a Master’s degree, or foreign equivalent, in Economics, Statistics, Mathematics, Actuarial Science or related field and 2 years of experience as a Senior Analyst - Credit Risk or related position developing installment loan underwriting strategy and procedures for a financial services institution. 2 years of experience must include: SAS, SAS Studio; Data visualization; Analytical and technical skills in Machine learning; Microsoft Excel, Power Point, Tableau; Credit risk analytics; Underwriting strategy optimization; Financial analytics; and Portfolio development and customer level P&L optimization strategy building. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #25862340. EO Employer.

Wage Range: $142,600 to $161,600

Anticipated Posting Close Date:

VP Value Card Products - Finance Lead Analyst

*This role must report onsite to the office in Wilmington, DE three times per week. It cannot be done remotely or from another Citi location.

Responsibilities:

• Support the Value LFO with data-driven analysis, forecasting, strategic planning, and business development activities.
• Prepare presentation materials for business reviews (including ad-hoc, special topics, etc.) and deliver presentations related to the financial performance of the Value products.
• Generate analytics for monthly flash results and month end financial reports.
• Lead the sizing of strategic business initiatives to assess their financial performance.
• Build financial business cases for new product launches and/or product refreshes, as well as providing launch support and performance monitoring once in market.
• Develop an efficient business and reporting framework and manage production of accurate, complete, and timely financial reporting of P&L, balance sheet, and business drivers.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business managing and reporting control issues with transparency.

Qualifications:

• 5+ years of relevant experience in financial services and/or credit card industry
• Experience providing financial analysis for monthly actuals and forecasts, strategic multi-year forecasts, and annual budgets
• Ability to operate with a limited level of direct supervision
• A self-starter, with the ability to operate effectively in a dynamic work environment and manage through ambiguity
• Demonstrated presentation skills
• Proficient Microsoft Office skills with an emphasis on Excel and PowerPoint
• Knowledge in additional systems including Oracle, Essbase, and SAP
• Consistently demonstrates clear and concise written and verbal communication

Education:

• Bachelor’s degree/University degree or equivalent experience
• Master’s degree preferred

Anticipated Posting Close Date:

Requirements: Requires a Bachelor’s degree, or foreign equivalent, in Statistics, Business Analytics, Computer Engineering, or a related field and 5 years of progressive, post-baccalaureate experience as a Credit Risk Analyst, Data Analyst, Risk Manager, or related position involving quantitative and statistical analyses for risk management. 5 years of experience must include: Credit risk management; Underwriting and line management strategy development; Statistical analysis and quantitative analytics; Behavioral segmentations; Predictive power and model stability validation; Automation of reporting; Profit and loss analysis; and SAS, SQL, Tableau, Unix. Applicants submit resumes at https://jobs.citi.com/. Please reference Job ID #25844068. EO Employer.

Wage Range: $148,700 to $161,600

Anticipated Posting Close Date:

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is responsible for delivering on the end-to-end lifecycle of data utilized in credit risk decisioning systems, rules engines, and regulatory reporting. This role involves the integration, transformation, summarization, and governance of complex data sets, ensuring the accuracy, consistency, and control of data across multiple platforms and processes.

Strategic Data Integration:

• Define and execute a comprehensive data integration and summarization strategy, ensuring all credit risk-related data is aligned with the organization’s risk management objectives and regulatory reporting requirements.
• Development and deliver robust data controls, ensuring data is accurate, consistent, and secure across all systems, particularly those that drive rules engines and regulatory reporting processes.
• Architect scalable and resilient data integration pipelines that support real-time decisioning and long-term regulatory compliance in the evolving credit risk landscape.

Data Transformation & Summarization:

• Execute the transformation of raw and disparate data sets into actionable insights that support both strategic and tactical decision-making within credit risk frameworks.
• Implement sophisticated data summarization techniques that provide clarity on key performance indicators, risk metrics, and regulatory requirements, ensuring the data drives accurate and timely credit risk reporting.
• Support initiatives that leverage emerging technologies (AI/ML) to enhance the speed, accuracy, and scalability of data integration and summarization processes.

Build, Unit Test, and Deploy:

• Execute end-to-end delivery process for building, testing, and deploying data pipelines, ensuring seamless integration with rules engines and decisioning platforms.
• Design and execute unit tests, ensuring that data transformations and controls are thoroughly validated before deployment.
• Ensure continuous improvement of data delivery methodologies, promoting automation and operational excellence in the build, test, and deployment of credit risk data solutions.

Regulatory Reporting & Compliance:

• Ensure that all data driving regulatory reporting is accurate, timely, and adheres to both internal and external compliance standards, including OCC, CFPB, and Fed regulations.
• Collaborate closely with compliance and regulatory teams to ensure that data integration processes meet the evolving demands of regulatory scrutiny and industry best practices.
• Design data-driven processes and systems that streamline reporting, reducing manual interventions while enhancing accuracy and timeliness.

Data Governance & Control Framework:

• Deploy a governance framework that ensures the accuracy, security, and quality of data throughout its lifecycle—from ingestion to reporting.
• Implement data control mechanisms that proactively monitor for and mitigate risks related to data accuracy, completeness, and consistency in credit risk models and decisioning platforms.
• Collaborate with senior leadership across Risk, IT, and Compliance to ensure data governance practices align with both internal policies and external regulatory requirements.

Cross-Functional Collaboration & Stakeholder Engagement:

• Engage with senior stakeholders across Risk, IT, Compliance, and Business units to ensure that data strategies are aligned with organizational goals and business outcomes.
• Build strong partnerships with technology teams to ensure that data pipelines are seamlessly integrated with credit risk systems, ensuring agility and scalability as business needs evolve.
• Act as a key liaison to regulators, industry groups, and external auditors, representing the organization in discussions around data governance, controls, and regulatory reporting practices.

Innovation & Continuous Improvement:

• Champion innovation efforts that enhance the automation, scalability, and efficiency of data integration and controls within the credit risk framework.
• Stay at the forefront of industry advancements in data governance, AI/ML, and data transformation technologies, applying these insights to continuously improve data management processes.
• Proactively identify areas for improvement in the data lifecycle, driving projects that reduce costs, increase accuracy, and improve compliance outcomes.

Educational Background:

Advanced degree in Data Science, Information Technology, Risk Management, or a related field is required. Certifications Data Management or Risk Technology are highly preferred.

Extensive Data Summarization / Data Management Experience:

• 5+ years of direct hands-on experience with data summarization. Attribute Toolbox (ATB) and Magnum preferred.
• 7+ years of experience in data management, risk technology, or financial services, with at least 5+ years leading enterprise-level data integration and governance initiatives.
• SAS Programming and Microsoft Office proficiency are highly desirable.
• Proven ability to deliver complex data integration and governance projects within large-scale, highly regulated environments.

Data Governance & Controls:

• Experience in designing and implementing data management and governance frameworks that align with regulatory standards, including experience with data controls, summarization, and transformation in a credit risk context.
• Strong expertise in managing data used in decisioning systems, rules engines, and regulatory reporting, ensuring accuracy and consistency throughout the data lifecycle.

Technology & Innovation:

• Demonstrated experience with modern data integration tools, cloud platforms, and emerging technologies (AI/ML) that drive data transformation, testing, and deployment.
• A track record of innovation efforts that enhance the automation and efficiency of data delivery, ensuring timely and accurate reporting across credit risk platforms.

Regulatory Knowledge & Compliance:

• Understanding of regulatory requirements in credit risk, including OCC, CFPB, and Fed regulations, with experience ensuring compliance related to data initiatives.
• Relationships with regulatory bodies and industry groups is a plus.

Stakeholder Management & Executive Communication:

• Exceptional communication and presentation skills, with the ability to engage senior leadership and external stakeholders on complex data and risk management topics.
• Proven ability to drive cross-functional collaboration, ensuring that data strategies are aligned with risk, compliance, and business objectives.

Financial Acumen:

• Strong financial management skills with experience managing large-scale data projects, including budgeting, forecasting, and cost optimization.

Anticipated Posting Close Date:

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Lead Financial Officer (LFO) teams are Finance partners to the functions and businesses they support. This Cobranded Cards Financial Officer role will support the following responsibilities:

Responsibilities:

• Assisting the business in their efforts to establish and deliver financial objectives related to revenues, expenses, return on investment and capital
• Supporting short- and long- term budgeting, forecasting and planning processes through engagement with functional partners such as FP&A
• Advising and partnering with key function / business stakeholders, such as Cards leads and business execution leads, for financial business decisions and plans
• Developing and maintaining an understanding of our Cobranded Card products, their core mandate and strategic objectives
• Providing insightful analysis that contributes to performance based outcomes
• Supporting execution of the team's strategic direction

• Responsible for supporting various financial aspects of our Cobranded Card portfolios, including:

• Maintaining strong partnerships with business and other functional partners to support and inform financial business decisions and plans
• Partnering with other Finance stakeholders to assist business / function in meeting their financial objectives

• Partnering with business and functional leads to assess potential corrective actions for variances to financial plans through detailed analysis to determine best course of action
• Providing financial reports and analytics to business leads, including key financial metrics, results, trends and analysis
• Assisting in preparation of Quarterly Business Review materials
• 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Qualifications:

• 5+ years of experience

• Knowledge of and / or experience working with financial services P&Ls, especially Cards

• Financial management experience, including financial planning, budgeting, reporting, analytics and analysis

• Strong analytical and communication skills and proven ability to influence a wide range of stakeholders

Education:

• Bachelors/University degree, Master’s degree preferred

Anticipated Posting Close Date:

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Responsibilities:

• Lead key business projects and the implementation of initiatives related to policy governance and manage policy exceptions/approvals and entries
• Focus on process improvement and creating efficiencies by ensuring an effective approach and partnership with Audit management and apply consumer risk function knowledge (e.g., scoring and segmentation techniques and their uses)
• Conduct gap analyses and remediation work of any misalignments for policy changes
• Ensure test and significant credit changes are adequately reported and tracked and Peak Ending Net Receivables (ENRs) are adequately approved and stored systemically
• Provide regular feedback on all initiatives, tracking, reviews and reporting emerging trends and opportunities to senior management
• Establish cross-functional partnerships and networks to contribute to and execute cross-functional and business initiatives, such as developing/maintaining infrastructure through partnership with the Centralized Risk Infrastructure 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:

• 10+ years of experience in credit risk management or equivalent training and experience preferably in the financial services industry
• Experience in people management and leadership
• Working knowledge of SAS or SQL programming and MS Office software proficiency required
• Consistently demonstrate clear and concise written and verbal communication
• Demonstrated ability to view data holistically and remain detail oriented to synthesize, prioritize and deliver results with urgency
• Demonstrated interpersonal, organizational, analytical, presentation, facilitation, negotiation and strategic skills
• Proven ability to obtain support and buy-in across a wide range of internal and external audiences
• Demonstrated work ethic and influencing skills

Education:

• Bachelor's degree/University degree or equivalent experience
• Master's degree preferred

Anticipated Posting Close Date:

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