Financial Officer - Retail Services- Vice President

Financial Officers support the development and execution of financial objectives related to revenues, expenses, capital, and risk for their respective areas. This includes partnering across other functions and Finance disciplines.

Lead Financial Officer (LFO) teams are Finance partners to the functions and businesses they support.

This Financial Officer role will support the following responsibilities:

• Assisting the business / function 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
• Providing detailed evaluation for key investments and tracking ongoing performance and expense management/budgeting for those investments

Responsibilities:

• Advising and partnering with key functions / business stakeholders, such as Product Management leads and business execution leads, for financial business decisions and plans
• Developing and maintaining an understanding of the core mandate and strategic objectives
• Providing insightful analysis that contributes to performance-based outcomes both forward looking and backward-looking evaluation and communication of output on key financial topics and areas of opportunity or risk
• Supporting execution of the team's strategic direction and projects
• Maintaining strong partnerships with Product Management heads and other functional partners to support and inform financial business decisions and plans
• Maintaining partnerships with Business heads and other functional partners to support and inform financial business decisions and plans
• Partnering with Product Management leads and Cross functional teams to assess potential corrective actions for variances to financial plans through detailed analysis to determine best course of action
• Partnering with cross functional teams on a variety of activities including expense optimization opportunities and initiatives
• Providing financial reports and analytics to Finance leads, including key financial metrics, results, trends and analysis
• Assisting in preparation of Monthly and Quarterly Business Review materials with FP&A teams and other functional partners
• Appropriately assess risk when business decisions are made, demonstrating particular

Also, 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 the Credit Card or Consumer Lending
• 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

This role resides in the Citi USCC Lead Financial Officer organization and will have responsibility for P&L management, strategic planning, investment decisioning and business development support for Macy’s private label and cobranded retail partnership credit card portfolios. The professional will be engaged multiple investment decisions, financial analysis, reporting, discussions on forward looking and actual financial performance against targets set Internally and with Partner, risk management and controls management for all financial topics we engage on. Ongoing financial management of specific terms with external client / teams.

Management with analysis and insights on portfolio financial performance in coordination with the broader FP&A Team. Lastly, contribute knowledge to provide advice/counsel on portfolio performance.

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## Job Family Group:

Finance

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## Job Family:

Finance Management

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## Time Type:

Full time

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## Primary Location:

1000 NORTH WEST ST WILMINGTON

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## Primary Location Full Time Salary Range:

$114,720.00 - $172,080.00

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.

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## Most Relevant Skills

Please see the requirements listed above.

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## Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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## Anticipated Posting Close Date:

Aug 11, 2026

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## 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

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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.