Credit Officer

Citigroup Inc.; São Paulo; Presencial; BRL 180 000 - 240 000; Tempo integral

Resumo da oferta

Citigroup Inc. in São Paulo seeks a seasoned Credit Officer 2 to apply in-depth risk and credit analysis, develop policy recommendations and contribute to risk-management initiatives.

You will use SAS/SQL in UNIX, prepare senior management presentations, ensure compliance with credit policies, and coach junior staff as part of a team responsible for portfolio risk across the function.

Qualificações

• 5-8 years relevant experience
• Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics (Master’s degree preferred)
• Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry
• Ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
• Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
• Extensive knowledge of SAS or SQL programming and literacy with MS Office software required

Responsabilidades

• Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing scoring, segmentation, regression and simulation techniques
• Implement initiatives to ensure compliance with credit policies
• Utilize SAS in a UNIX environment to perform risk, financial and data analysis including profiling, sampling, reconciliation, and quality testing
• Prepare risk management presentations for senior management with analytics on portfolio performance and trends
• Assess risk in business decisions, safeguarding Citigroup and driving compliance with laws and regulations, escalating and reporting control issues with transparency

Conhecimentos

Analytical Thinking

Credible Challenge

Financial Analysis

Governance

Policy

Procedure

Regulation

Risk Management Lifecycle

Strong communication and diplomacy

Formação académica

Bachelor’s degree or equivalent

Ferramentas

SAS

SQL

MS Office

Descrição da oferta de emprego

The Credit Officer 2 is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual.

Responsibilities

• Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques
• Implement initiatives to ensure consistency and compliance with credit policies
• Utilize SAS in a UNIX environment to perform risk, financial and data analysis including profiling, sampling, reconciliation, and quality testing
• Prepare risk management presentations for senior management that include analytics on portfolio performance, emerging trends and areas of opportunity
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

Recommended Qualifications

• 5-8 years relevant experience
• Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics (Master’s degree preferred)
• Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry
• Ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
• Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
• Extensive knowledge of SAS or SQL programming and literacy with MS Office software required

Education

• Bachelor’s/University degree or equivalent experience

Job Family Group

Risk Management

Job Family

Credit Risk

Time Type

Full time

Most Relevant Skills

Analytical Thinking, Credible Challenge, Financial Analysis, Governance, Policy, Procedure, and Regulation, Risk Management Lifecycle.

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