Citi’s Mexico Consumer business will be part of an IPO that will establish an independent local bank within Mexico.  Citi’s Banamex Consumer Business is comprised of ~$18B in lending receivables across credit cards, personal loans and mortgages.  Reporting directly to the Banamex Retail Independent Risk lead, this position is responsible for providing Independent Risk review and oversight of the Secured portfolios.  The primary focus for this role will be to provide risk oversight to the secured lending products and propositions within the Banamex Retail portfolio. The incumbent will need to use his / her credit insight along with assessment of operational risk and collections management to evaluate proposals in a holistic manner, keeping Global / local policies and risk appetite in mind. The position will meet regularly with senior members from the Banamex Retail business as well as the regulatory community. The incumbent will play a critical role in ensuring we operate in a safe and sound manner, and comply with all internal policy and regulatory requirements. 

Responsibilities:

• Ensure business operates within their stated risk appetite and in compliance with internal policies, corporate risk standards and regulatory guidance
• Review and provide comprehensive risk assessments of Portfolio Classifications, new Product launches, and Policy exceptions in accordance with their delegation authority
• Provide day to day oversight of credit risk activities across the full customer life cycle & provide effective challenge including opining on the appropriateness of credit policies, testing activities, credit operating systems & NCL forecasting, CECL, Basel and CCAR methodologies
• Perform portfolio deep dives, peer reviews and on the ground support for risk management and reviews
• Engage with regulators and internal oversight teams as part of ongoing monitoring and targeted reviews

Qualifications:

• Ideal candidates will have 10+ years of consumer lending Risk Management experience at a senior level across secured lending products.
• Experience across the full credit life cycle: acquisition, portfolio, loss forecasting, loan loss reserve, collection strategy, and fraud. 
• Experience in policy development, strategy development, testing and execution.
• Experience conducting portfolio reviews, peer reviews, portfolio audits, and regulatory interactions. 
• Experience and familiarity with machine learning and big data techniques.
• Strategy and transaction approval authority at a Senior Credit Officer, Director, or equivalent level
• Experience developing and delivering Risk Management presentations to executive leadership and regulators. 
• Qualified candidates must, at a minimum, hold an undergraduate degree in business, economics, finance, mathematics, statistics, operations research, engineering, or similar quantitative fields; Master’s degree a strong plus
• Strong sense of accountability and ownership with an ability to influence change
• Strong verbal and written communication skills
• Bilingual – fluent in both English & Spanish mandatory

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Job Family Group:

Risk Management

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Job Family:

Risk Policy

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Time Type:

Full time

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