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
**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
**Requisitos**:
**Formación académica**:




- Licenciatura en Actuaria, Economía, Finanzas, Ingeniería o afín
- Deseable: Maestría en Finanzas, Administración o Ciencia de Datos.
**Experiência**:
- 10+ años en áreas de cobranza, riesgo crediticio, estrategia o analítica.
- Experiência comprobable en **liderazgo de equipos** y **gestión de proyectos estratégicos**.
- Conocimiento en modelos de riesgo, comportamiento crediticio y regulación financiera.
**Conocimientos técnicos**:
- Herramientas de análisis de datos (Python y SAS).
- Diseño de estrategias de cobranza colateral.
- Conocimiento de normativas aplicables a cobranza y protección de datos.
**Responsabilidades**:
- Liderar el desarrollo y evolución de **modelos de scoring de cobranza**, modelos de propensión de pago, contactabilidad, saturación y asignación inteligente.
- Dirigir el análisis profundo de la dinámica de cartera: vintage, roll rates, severidad, cure rates, métricas de riesgo y sensibilidad macroeconómica.
- Impulsar simulaciones estratégicas para anticipar comportamientos: estrés financiero, morosidad esperada, sensibilidad a cambios regulatorios o económicos.
- Definir la **visión estratégica de cobranza** a mediano y largo plazo, alineada a los objetivos financieros e indicadores de riesgo del portafolio.
- Diseñar estrategias diferenciadas por **segmento, producto, riesgo y comportamiento de pago**, trayectorias de contacto y asignación inteligente de cartera**Job Family Group**:
Risk Management
- **Job Family**:
Portfolio Credit Risk Management
- **Time Type**:
Full time
- **Most Relevant Skills**
Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
- **Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
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📌 Banamex- Subdirector De Estrategia De Cobranza (Xico)
🏢 Citi
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