Director de Riesgo Banca Empresarial e Institucional

The Credit Risk Exec Group Manager manages multiple teams of senior professionals through other senior managers. The job requires a broad and comprehensive understanding of the different systems, theories and practices relevant to a function as well as practical experience of multiple business cycles. In-depth knowledge of the industry and direct competitors' products/services is also necessary in order to contribute to the commercial objectives of the business. Requires thorough understanding of strategic direction of the function within the business, combined with a solid conceptual/practical grounding in both the function and/ or area of expertise. Excellent communication skills required in order to influence a wide range of audiences. The job is likely to be involved in both internal and external negotiations which will have a major impact on the area managed, and possibly on other related areas and organization as a whole. Develops medium- to long-term plans and executes functional strategies for a large/complex country, cluster of countries, or business requiring coordination and integration across units. Provides input into strategic decisions affecting job family or function within a region or business. Full management responsibility of multiple teams, including management of people, budget and planning. Has authority to negotiate and make independent decisions on issues/activities that have critical impact or influence on company revenues, capital or business operations. Typically, a direct report to an EB role and sits on the highest functional leadership team within a region, job function, or global business.

• Strategic development of underwriting criteria and policies requirements for lending to the Business and Professional (B&P) segments
• Develops credit underwriting criteria and documentation requirements for the B&P segment
• Identifies new opportunities by reevaluating current credit policies, processes, and procedures
• Strategically develops, designs, and executes tests for future growth, strategy optimization or process enhancement
• Documents policies and processes specific to B&P lending
• Owns the classification credit process, non accrual and Other Real Estate Owned (OREO) process for the Business & Professional Portfolio
• Forecasts charge-offs and recoveries
• Leads development of Credit Programs for the Merchant Acquirer business
• Plays a proactive role in training loan officers, collectors and credit staff in B&P lending
• Ensures business has adequate resources in collections and remedial management
• Develops relevant MIS to monitor the Business & Professional portfolio
• Actively works cross-functionally with key business partners to support the business strategy
• Ensures compliance with Global Policies
• Appropriately assess risk when business decisions are made
• Demonstrates consideration for the firm's reputation and safeguarding Citigroup, its clients and assets
• Drives compliance with applicable laws, rules and regulations
• Adheres to Policy
• Applies sound ethical judgment regarding personal behavior, conduct and business practices
• Escalates, manages and reports control issues with transparency
• Effectively supervises the activity of others and creates accountability with those who fail to maintain these standards

• 15+ years relevant experience
• In-depth knowledge of credit risk management, commercial lending and credit controls
• Proven technical and analytical skills
• Able to synthesize data and make creative recommendations
• Experience in commercial lending from large financial institutions
• Ability to effectively communicate with many levels of senior management throughout the credit and business organization
• Ability to work in non-traditional organizational structures and reporting lines
• Bachelor’s/University degree, Master’s degree preferred
• Managerial experience