Banamex- Subdirector Analytics Cobranza

The Credit Portfolio Senior 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:

• Maintain compliance with Citibank credit policies/practices, regulatory policies and prepare, update, and ensure approval of all internal policy and procedure changes, keeping proper change and approval logs
• Conduct managerial responsibilities, including coaching/mentoring, performance management and evaluation (including managing the Review the Reviewer process), work assignment management and resource/capacity management, monitoring and escalating as needed
• Continuously identify process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations
• Monitor daily queue dashboard and production reports and address production and/or pipeline management issues, serving as a an escalation point of contact for these and SLA related issues with the goal of enhancing customer experience
• Conduct analyses related to policy (e.g., benefits tracking), bureau and alternate credit information, risk and reward trade-off, etc. by leveraging data and creating ad-hoc analyses/management information systems (MIS)
• Identify business opportunities, develop credit tests and risk strategies, balancing risk and return, and work with cross-functional teams to ensure flawless execution of policy tests and strategies
• 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:

• 6-10 years of experience with analytical or data manipulation tools (e.g., SAS, SQL, R, SPSS)
• Experience with econometric and statistical modeling or application risk scoring
• Experience in big data with knowledge of probabilities/distributions, building decision trees and regression models
• Proficiency in MS Office
• Proven ability to derive patterns, trends and insights, perform risk/reward trade-off analyses and connect these analytics to business impacts
• Demonstrated quantitative, presentation and analytic skills
• Consistently demonstrate clear and concise written and verbal communication

Education:

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

• Analizar integralmente el desempeño de los portafolios de cobranza, identificando tendencias, deterioros, causas raíz, riesgos y oportunidades de mejora.
• Transformar grandes volúmenes de información en insights accionables y recomendaciones estratégicas que contribuyan a mejorar la morosidad y el desempeño del portafolio.
• Diseñar, evaluar e implementar estrategias de cobranza y mitigación, incluyendo segmentaciones, programas de tratamiento, estrategias de contacto y pruebas Test & Learn.
• Liderar iniciativas end-to-end, desde la identificación y dimensionamiento de oportunidades hasta su implementación, monitoreo de resultados y mejora continua.
• Trabajar transversalmente con Riesgo, Operaciones Cobranza, Gerencia de Producto y otros stakeholders, comunicando y sustentando recomendaciones con evidencia analítica.
• Contar con sólida capacidad para estructurar análisis complejos y traducirlos en presentaciones ejecutivas claras, destacando conclusiones, impactos, riesgos y recomendaciones.
• Demostrar autonomía, pensamiento crítico y visión de negocio, complementados con sólidas capacidades analíticas y experiencia comprobable en el uso de SAS y SQL para la extracción, procesamiento y análisis de grandes volúmenes de información.

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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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