Are you looking for a career move that will put you at the heart of a global financial institution? Then bring your skills in delivering a full range of services to one or more businesses/ geographic regions.
By Joining Citi, you will become part of a global organisation whose mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.
What you’ll do
The overall objective is to manage large and complex professional disciplinary areas, as well as lead and direct a team of professionals.
- Facilitating profitable growth of the Margin Lending & overdraft products: evaluation of business proposals, participation in plan formulation, communication of policy changes.
- Risk Appetite framework definition and analysis; concentration tracking; Preparation of PQR, and other dedicated and ad-hoc reports. Creatively analyse new data sources and tools for additional new opportunities.
- Will partner with operational risk, collection strategy and fraud managers in defining credit verification and collection process/policy. Ensuring controls over implementation of policy.
- Monitor and validate credit policies across program and customer lifecycle. Develop tracking standards and review actual results versus forecasts with full analyses of any variances. Evaluating policy change requests and in the implementation and execution of policies.
- Assess the effectiveness of the credit risk processes and standards to promote leading practices and identify opportunities for improvements
- Coordinating all approval requests with Region. Work with Regional and Global risk teams to share information, share advances / new ideas, understand policies, and optimize programs. Understand and be the local expert on the Global Consumer Credit and Fraud Risk Polices.
- Work cross-functionally with key business partners to support all acquisition and product strategies that will enable us to make the best risk/reward decisions. Ensure that credit policies and strategy are in line with the business objectives.
- Ensuring compliance with Global Policy and relevant risk related regulations; ensuring compliance with local regulations. Ensure that the adequate infrastructure (systems, validations, MIS etc) is in place to properly manage the portfolio.
- Drive the analysis of portfolio metrics, trends and KPIs (Key portfolio metrics), including deal pipeline, Specialists metrics, deal volume and trends.
- Managing, training and developing a team of risk professionals.
Qualifications:
- 10+ years experience in Policies/Analytics/Decision Management
- Thinks and makes decisions in high risk scenarios, appropriately assessing a situation based on available data, experience, intuition, and judgment
- Good project management skills
- Able to interface with various levels of management in Global/Region/Business and across functions
- Knowledge in consumer risk management credit cycle processes and asset product operations
- Maintain effective negotiation skills, a proactive and 'no surprises' approach in communicating Risk issues, strength in sustaining autonomous views
Education:
- Bachelor’s/University degree, Master’s degree preferred
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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Job Family Group:
Risk Management-
Job Family:
Risk Framework and Policy-
Time Type:
Full time-
Most Relevant Skills
Analytical Thinking, Change Management, Communication, Constructive Debate, Escalation Management, Policy and Procedure, Policy and Regulation, Risk Controls and Monitors, Risk Identification and Assessment, Stakeholder Management.-
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.-
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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