The Credit Portfolio Group Manager is a senior management-level position responsible for accomplishing results through the management of a team or department to monitor the Citi portfolio and identify credit migration in coordination with the Risk Management team. The overall objective of this role is to lead the management of Citi's portfolio exposure to client and counterparties globally.
Responsibilities:
- Lead and develop a team of risk analysts and manage complex/critical/large professional disciplinary areas
- Lead risk financial forecasting efforts, including designing and maintaining complex credit loss and financial risk forecasting models, conducting cost of credit analyses, and monitoring product trends to identify key areas of risk-opportunity
- Develop, test, optimize and implement credit/valuation policies
- Manage risk levels for the entire credit/valuation spectrum across multiple products and retail formats consistent with program financial goals
- Track and report on initiatives, performance results, emerging trends and opportunities to senior management
- Establish cross-functional partnerships and networks in order to support the execute cross-functional and business initiatives
- 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:
- 10+ years of experience in credit risk management or equivalent training
- Experience in the financial services industry preferred
- Demonstrated accountability for delivery of a full range of services to one or more businesses/geographic regions
- Consistently demonstrate clear and concise written and verbal communication
- Proven negotiation skills often used at a senior level
- Demonstrated ability to synthesize, prioritize and drive results with urgency
- Ability to obtain support and buy-in across a wide range of internal and external audiences
Education:
- Bachelor's degree/University degree or equivalent experience
- Master's degree preferred
Objetivo del Puesto
Liderar el diseño, ejecución y seguimiento de estrategias de cobranza para productos retail, generando insights a partir de grandes volúmenes de datos para optimizar la recuperación, controlar la morosidad y mejorar el rendimiento del portafolio.
Responsabilidades
- Diseñar y ejecutar estrategias de cobranza para portafolios retail
- Analizar tendencias, morosidad y comportamiento de clientes
- Generar insights accionables a partir de datos para toma de decisiones
- Liderar equipo de ~10 analistas de collections strategy Analyst
- Desarrollar modelos y reglas de segmentación (árboles de decisión, analytics)
- Crear reportes de seguimiento y dashboards (ej. Tableau)
- Traducir grandes volúmenes de datos en presentaciones ejecutivas claras
- Coordinar con stakeholders de negocio, riesgo y operaciones
- Evaluar desempeño de estrategias y proponer mejoras continuas
Perfil Requerido
Experiencia
- ~5 años en:
- Riesgo de crédito
- Estrategias de cobranza
- Estrategias de originación (deseable)
- Experiencia en:
- Ciclo completo de crédito
- Morosidad y cobranza operativa
Conocimientos Técnicos
- SAS, SQL (indispensable)
- Manejo de bases de datos y extracción de información
- Desarrollo de estrategias analíticas
- Deseable:
- Python
- Tableau
- Excel / PowerPoint
Skills
- Pensamiento analítico y capacidad de síntesis
- Comunicación y presentaciones ejecutivas
- Liderazgo y trabajo en equipo
- Gestión de stakeholders
- Capacidad de toma de decisiones
Idiomas
Alcance del Rol
- Liderazgo de equipo (10 personas)
- Perfil híbrido:
- 50% analítico
- 50% técnico / estrategia
- Alta interacción con negocio y operaciones
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Job Family Group:
Risk Management
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Job Family:
Portfolio Credit Risk Management
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Time Type:
Full time
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Most Relevant Skills
Analytical Thinking, Credible Challenge, Governance, Policy, Procedure, and Regulation, Portfolio Analysis, Risk Management Lifecycle.
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Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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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.
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