Core Java Backend Developer

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

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

Inglés conversacional

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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