GCB UK Country Risk Manager
Citi Brasil
Londres, Reino Unido
1d ago

Job Purpose

The UK GCB Country Risk Manager (CRM) proactively manages the credit exposure of the UK consumer lending portfolios through each step of the credit process.

Proactive modifications to the target market, establishment and management of the acquisition and portfolio management programs, underwriting standards and policies, verification criteria must be made (after approval from the appropriate credit authority) based on performance trends, collections / fraud feedback, customer experience, changes in the operating environment, competitor landscape, etc.

The position reports directly to the GCB UK Consumer Business Manager and a matrix to the Group Risk Director of Independent Risk, Asia Consumer.

The consumer lending business is relatively small in UK but with the focus on growing the portfolio, exceeding portfolio return hurdles and maintains portfolios as Mature and Stable’.

The Consumer portfolios’ in UK comprise of MSBF and Unsecured Revolving Overdraft Loans. The business is also actively evaluating the potential to expand the lending product offering given the increasing client demand and the risk head would play a key role in the evaluation of any opportunity.

  • Manage the portfolio returns, credit quality and the performance of the assets in line with desired benchmarks / hurdles.
  • Establish and manage the risk appetite framework and appetite of the portfolios. Working in partnership with the business units, define the target market, determine the business strategy and the set of performance and return metrics that comply with corporate standards and are appropriate to the local operating environment
  • Design, implement and monitor the effectiveness of the credit policies and where warranted, adjust credit policies to ensure performance and return are in accordance with established benchmarks.
  • Ensure that the policies are in full compliance with global corporate policies, governing regulations and where required, document and obtain approval for exceptions

  • Analyze portfolio trends and initiate in-depth adhoc analysis on identified risk or opportunities.
  • Possess a comprehensive understanding of the local operating environment (e.g. market, competition, economic, political, legal, and regulatory) and its impact on the portfolio
  • Manage loan losses and reserves. Perform scenario planning as required to dimension potential risks to the franchise under adverse scenarios
  • Design, implement and manage production systems capabilities in order to ensure that credit processes are executed in line with product program design and credit policies.
  • Implement and manage analytic infrastructure and tools including models, MIS capabilities so that portfolio qualities can be accurately evaluated and ascertained.
  • Provide oversight to the relevant operation units to ensure that credit processes and staffing are appropriate, effective, and executed in full compliance with policies, both local and corporate.
  • Responsible for regular credit performance reporting to regulators, regional and head offices. Maintain close and transparent communication to ensure that all stakeholders outside of the business are fully aware of the strategy, performance and events that are impacting the portfolio.
  • Evaluate and approve high value credit transactions and those with exception / deviation requests.
  • Represent the business in relevant external forums and contributing expertise and to promote responsible finance for the betterment of the industry.
  • Manage the production of management reports ensuring data integrity / accuracy and providing insight into key
  • portfolio trends with recommendations or actions highlighted for review.

  • Implement and manage analytic infrastructure and tools including models, MIS capabilities so that portfolio qualities can be accurately evaluated and ascertained.
  • In times of downturn or crisis, devise policies and processes to provide appropriate relief to customers and reduce financial losses to the franchise.
  • Manage the local consumer risk management team, recruit, develop and retain talent and bench.
  • Collaborate effectively with the business and Product team in structuring and presenting individual MSBF transactions.
  • Knowledge / Experience / Technical skills :

  • 10+ years of experience in consumer credit risk management and specifically in margin lending businesses.
  • Experience in other consumer lending products and Credit Operations (Credit Initiation / Collections / Fraud) is desirable.
  • Substantial analytical and policy experience in Credit Risk Management
  • Proven managerial experience
  • Understanding of wider risk framework including compliance / legal, operational, market conduct, strategic and reputational risks.
  • Strong understanding of business financial performance drivers and the impacts of credit performance on business results.
  • Personal Skills :

  • Robust strategic, analytic and problem solving skills
  • Strong execution and disciplined implementation skills of complex projects and engagements
  • Proven ability to operate in a multi-national, matrix or direct management organization
  • Great communicator (verbal, written, presentation), with strong relationship management and influencing skills at local / regional and senior / junior levels
  • Relationship building & influencing
  • Can work successfully in a matrix organization
  • Strong ethics and integrity
  • Impeccable leadership credentials
  • Job Family Group : Risk Management

    Job Family :

    Functional Management

    Time Type :

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