Banamex Retail Risk Head, Citi

Citi

Location:
Mexico, Ciudad De Mexico

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Risk role is focused on analyzing the creditworthiness of individuals and entities, assigning risk ratings, recommending, or approving credit extensions or withdrawals, and providing ongoing monitoring of credit exposures. This role includes those with credit approval authority for portfolios requiring management for delinquency. Individuals within this role maintain a balance between risk and return, ensuring that credit policies are appropriate, and perform regular in-depth reviews of the credit portfolio. This role manages and mitigates potential credit losses, safeguarding the company's financial stability and supporting sustainable business growth.

Job Responsibility:

Lead, own and drive improvements in large regional/industry/product and key risk reviews, leveraging expertise to critically evaluate portfolios and assess emerging risks
Partner with all relevant teams including ICM, Banking and 2nd LOD organizations to design and monitor portfolio (including driving overall limits, mitigation strategies, exposure management)
Critically evaluate and own assigned large/complex portfolios, identifying and assessing current/ emerging risks
Review, challenge and approve very large and / or complex episodic transactions that involve high concentration (high Risk Capital) or idiosyncratic risks
Lead the enhancement of credit risk processes and standards, identifying opportunities for innovation and efficiency
Provide independent assessments on risk ratings and classifications, ensuring the Risk Appetite framework's appropriateness and effectiveness
Evaluate and refine business/risk staffing models, ensuring optimal resource allocation for assigned entities
Oversee and validate corrective action plans, addressing issues arising from Credit Risk reviews conducted
Identifying and taking ownership for SII
Assist the Risk Head in orchestrating regional and global tasks, developing strategic plans to maximize organizational effectiveness
Develop strategic plans to enhance the efficiency and effectiveness of the organization
Collaborate with other credit risk families to support the best outcome for Citi, sharing and implementing best practices
Manage relationships and expectations of external regulators, Regulatory reporting, Risk, Finance, and Accounting Policy
Review and Challenge as subject matter expert for region/industry/product the quarterly portfolio management processes (eg CCAR)
Own relevant scorecards and underwriting frameworks
Make informed business decisions, considering risk assessment, the firm's reputation, and compliance with laws, rules, and regulations
Enforce compliance with applicable laws, rules, and regulations, upholding policy and ethical business practices

Requirements:

15+ years of experience, including 10+ years' managerial experience
Internally and externally recognized subject matter expert with a broad and comprehensive understanding of the field
Develops new techniques, methodologies, and approaches, recognized as a resource for innovation and groundbreaking developments
Proficiency in evaluating complex issues with substantial impact, utilizing in-depth quantitative and qualitative analysis
Drives change within and beyond the organization, shaping operational strategies and influencing industry standards
Articulates complex information clearly, presents effectively, and responds empathetically
Mediates disputes effectively and advocates for organizational interests with high-level stakeholders
Challenges established norms, pioneers new approaches in complex domains, and guides decision-making processes for technical solutions
Bachelor's/University degree, Master's degree preferred

Additional Information:

Job Posted:
July 15, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Banamex Retail Risk Head