The Franchise Risk Oversight function in Retail Independent Risk organization is responsible for providing oversight and effective review & challenge of Enterprise Stress Testing, Risk Appetite and Limit Setting and Concentration Risk.   The SVP, Stress Testing, Risk Appetite and Limits, will play a key role providing oversight in Enterprise Stress Testing and in implementing the Risk Appetite Framework (RAF) processes globally across Retail businesses.  The SVP will collaborate with key stakeholders in first and second lines (Business, Risk and Finance), and Enterprise Risk Management to help manage the firm’s capital and adherence to its RAF.   Responsibilities: • Develop guidelines and coordinate business activities to enhancing and evolve the Risk Appetite Framework which includes taxonomy, statements, metrics, and assessments consistent with Enterprise-wide Risk Governance Framework • Manage the Oversight, Review and Challenge process of Retail Credit Risk metrics setting and monitoring (limits and Concentration Risk), and Stress Testing process, methodology and outcomes, and alignment with Enterprise policies and governance requirements. • Lead efforts to update governance related to new or enhanced Enterprise policies and processes in partnership with Enterprise Risk Management and first line teams.  • Manage reporting and communications to key stakeholders in 2nd and 1st line Retail teams and Enterprise Risk management.    • Independently analyze and challenge in-business outcomes related to Risk Appetite, Limits, and Stress Testing.    Qualifications • 10+ years of Retail Credit risk management or related analytical/technical experience is required • Strong interpersonal, relationship management and influence skills • Experience interpreting regulatory guidance and working with regulators • With relevant experience in the following areas:• Consumer or Wealth Management Credit Risk management • Consumer or Wealth Management Risk Analytics & Reporting • Experience in the management of policy governance and control requirements • Capital Analysis and Stress Testing Loss Forecasting (e.g., CCAR, CECL) • Excellent written and verbal communication skills with the ability to independently prepare presentations for an executive level audience, and communicate complex concepts to a wide range of stakeholders • Strong analytical skills with ability to understand and solve complex problems via practical analyses that will enable optimal decision making – fundamental skills in programming, data extraction and manipulation, and AI applications are expected.    • Detailed-oriented with a high level of intellectual curiosity and strong sense of ownership ------------------------------------------------------ Job Family Group: Risk Management------------------------------------------------------ Job Family: Portfolio Credit Risk Management------------------------------------------------------ Time Type: Full time------------------------------------------------------ Primary Location: Irving Texas United States------------------------------------------------------ Primary Location Full Time Salary Range: $144,480.00 - $216,720.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------ Anticipated Posting Close Date: Nov 06, 2026------------------------------------------------------ Automated Processing and AI We use automated processing, including artificial intelligence, for our legitimate business interests (or our reasonable and appropriate business purposes) to identify and align the candidate's skills and abilities with a specific job opening. Additionally, if you so choose, or consent, we can match your skills and abilities to other suitable roles at Citi.   Importantly, all our hiring processes and decisions, including determining your suitability for a role, are conducted, checked, and decided by individuals. Our automated processing and AI do not involve relying on automatic or autonomous decision-making. Please refer to any Jurisdictional Considerations, with specific provisions for your country (where relevant) for further details.   Illinois residents – AI Notice and Right ------------------------------------------------------ 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. View Citi’s EEO Policy Statement and the Know Your Rights poster.