Director de Producto y Portafolio Hipotecario

Discover your future at Citi

Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

Job Overview

The Business Development Grp Mgr is accountable for management of complex/critical/large professional disciplinary areas. Leads and directs a team of professionals. Requires a comprehensive understanding of multiple areas within a function and how they interact in order to achieve the objectives of the function. Applies in-depth understanding of the business impact of technical contributions. Strong commercial awareness is a necessity. Generally accountable for delivery of a full range of services to one or more businesses/ geographic regions. Excellent communication skills required in order to negotiate internally, often at a senior level. Some external communication may be necessary. Accountable for the end results of an area. Exercises control over resources, policy formulation and planning. Primarily affects a sub-function. Involved in short- to medium-term planning of actions and resources for own area. Full management responsibility of a team or multiple teams, including management of people, budget and planning, to include performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval.

Responsibilities:

• Define and develop the Business Intelligence and Customer Experience area that allows us to have strategies, tools, controls, metrics anda monitoring to ensure added value to the customer experience in order to deliver the best Corporate Banking of the financial system.
• Managing commercial relationships with all top online and offline merchants across industries, For negotiating new promotions with different business and identifying future sales opportunities with business clients through development of strategic alliances
• Responsible for developing differentiated experiences and models for customers through the "Customer Care" initiative and a comprehensive service model and performance metrics of the portfolio
• Design and manage the Innovation Lab that makes a continuous search for new ideas with a focus in improving the customer experience
• Lead and integrate internal service providers to provide information and metrics that allow us to increase the level of customer satisfaction
• Responsible for strategy, metrics of sales campaigns, and promotional events and awards to bankers, area managers, etc.
• Coordinate strategy with the marketing area, as well as control the budget allocated for this purpouse
• Direct and coordinate internal communication with adherence to the guidelines and policies in the area
• 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, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Qualifications:

• 10+ years relevant experience
• Bachelor's Degree Business Administration, Negotiation, Business Strategy, Mkt - Exp- Chief of Staff to CMO / Marketing Manager / Credit Card Promotions
• Effective decision-making based on deep analysis and creative thinking
• Demonstrated ability to build relationships and use networks at all levels, businesses and geographies to manage and run continously and effectively
• Ability to apply multiple initiatives an chieve performance targets
• Proven skills in conflict management, to act decisively and independently

Education:

• Bachelor’s/University degree, Master’s degree preferred

La Posición tiene responsabilidad sobre las áreas de Producto y Desarrollo de Negocio y Gestión de Portafolio hipotecario.

En cuanto a Producto y Desarrollo de Negocio es responsable de:

• Gestionar a los equipos que realizan la creación, administración y actualización de la oferta de productos hipotecarios.
• Cumplimiento normativo y regulatorio
• Acuerdos con los equipos de finanzas, riesgos, operación, compliance, ventas, digital y legal.
• Implementación de los productos (en sistemas y plataformas
• Monitoreo del cumplimiento de objetivos.
• Acordar y administrar los presupuestos de marketing.
• Proponer, revisar y validar materiales de comunicación, campañas digitales y/o masivas
• Análisis del mercado
• Identificar oportunidades monitoreando el mercado, la competencia y las necesidades de los equipos comerciales.
• Desarrollar propuestas complementarias a los productos
• Proponer, y en ocasiones operar, pruebas piloto
• Gestión de Campañas de Venta cruzada (equipos XSell y Campaings)

En cuanto a Gestión de Portafolio Hipotecario, es responsable de:
Seguimiento al desempeño financiero, operativo y administrativo del portafolio del negocio hipotecario
Seguimiento integral de portafolio Infonavit (negociaciones con el instituto, acciones de recuperación, propuestas de recompra, etc)
Coordinación con equipo de Cobranza para mejores acciones de recuperación
Coordinación con finanzas, tesorería, contraloría, operaciones para asegurar los objetivos de negocio.
Oportunidades de mejora de fondeo, requerimientos de capital y reservas (costo de crédito) para mayor eficiencia.
Seguimiento a modelos de evaluación del portafolio (MxGAAP y US GAAP)
Seguimiento a reportes regulatorios
Seguimiento a inmuebles adjudicados
Coordinación con equipo de Data para asegurar la correcta gestión de la información.
Proyecto de migración de portafolio a nuevo sistema de administración

------------------------------------------------------

Job Family Group:

Consumer Sales

------------------------------------------------------

Job Family:

Consumer Business Development

------------------------------------------------------

Time Type:

Full time

------------------------------------------------------

Most Relevant Skills

Please see the requirements listed above.

------------------------------------------------------

Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

------------------------------------------------------

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.