EMEA Consumer > Graduate

Business Description

What is the EMEA Global Consumer Group?

Citi’s Global Consumer Group provides a wide array of banking, lending, insurance and investment services through a network of 7,237 branches, 6,920 ATMs, 682 Automated Lending Machines (ALMs), the Internet, telephone and mail, and the Primerica Financial Services sales force. Global Consumer serves more than 200 million customer accounts, providing products and services to meet the financial needs of both individuals and small businesses.

What service do we provide to our clients?

The group offers a wide range of credit cards, personal loans, bank accounts, and wealth management services to clients who hold more than 15 million accounts. Retail banking in EMEA has more than 900 branches; it also plans to open some 180 new branches as part of its plan to expand distribution, transfer expertise, and invest in technology and people.

How we're structured?

Citi's EMEA (Europe, Middle East & Africa) Global Consumer Group employs some 30,000 people across 28 countries across Western, Central, and Eastern Europe, the Middle East, and North Africa.

Our businesses include Retail Banking, Cards and Consumer Finance. Functional areas cover Credit Risk, Finance, Treasury, Human Resources, Legal, Compliance, Marketing, Operations and Technology.

The Regional Headquarters are based in London.

Roles of an MA

Luca Rossi
Management Associate 2006
MBA Rotterdam School Of Management

I completed my first rotation in the Internet Banking team at the EMEA Regional Office in London, covering a business development role. The project had to main goals: first, to develop the Internet and mobile banking business across the a cluster of six countries of Western Europe, by maximizing channel’s profitability, online customer experience, product direction, as well as exploiting online acquisition and cross-sell potential. Second, to help out driving the online strategy for the Cards business working closely with the regional cards strategy team. The position required a versatile set of skills to deal with multiple tasks at the same time on a daily basis, and it was the best chance to acquire the helicopter view on our internet business in EMEA.
During this rotation I learned about our complex matrix organization, and the wide spectrum of services we offer to customers in different countries. Interacting with many colleagues, I also saw how our great people’s behaviour reflect our value of collaboration and teamwork across boundaries, absolutely necessary to sustain our growth as a global firm.

Another interesting assignment was the one in Operations at CitiFinancial in Madrid. My project's goal was to increase operational efficiency in processing mortgage applications, from their receipt at our headquarters until their possible acceptance, hence act signature, passing through a complex analysis of customer data and internal credity policy rules.
After three months of thorough analysis to understand operation details, we launched an exciting pilot and after a first transitory month in the test, we were equipped to analyze results and continuously act on the newly proposed process flow to move towards the desired objective.

Several things made me join my Citi MA program. Our company and values, which I truly discovered through my challenging interviews with impressive and highly talented colleagues. The Consumer Group organization and its goals, such as striving to serve our customers better every single day. The diversity of the program, in that we have the chance of exploring different markets and contribute to add value to Citi as well as learning by doing things.

Our Programs

The Program aims to accelerate professional development through rotations, projects, or assignments in various functions of the consumer banking business, thereby helping Management Associates to develop a strong understanding of Citi's businesses, markets, products, services and culture.
The Management Associate program lasts 24 months and includes four rotations in different areas, such as:

Credit Risk, Finance
Sales & Distribution, Marketing
Operations, Technology

The program offers a combination of on-the-job training, mentoring from a senior manager, and exposure to top leadership within the organization.

After graduating from the program, Management Associates typically take on a challenging position based on their strengths and interests as well as the needs of the business.

Who we are looking for

A typical candidate will have an undergraduate degree and an MBA. 

• Significant practical experience    
• Excellent command of spoken and written English   
• Excellent command of local language; fluency in other languages is an asset                                                                                                                                                                                                                          
• International experience
• Geographic mobility
• Demonstrated success and initiative
• Strong analytical skills, logical thinking, and good judgment 
• Excellent communication and interpersonal skills 
• Adaptability and flexibility 
• Self-starter with a hands-on approach 
  
                                                                                                                                                                                                                                                                                                                                                    

Recruitment Process

Recruitment process includes assessment centre and a series of interview with HR and business managers. 

To apply please click on the apply now button on the right hand side of the page.

Where

Opportunities are currently available in: UK, Spain, Portugal, Belgium, Italy, Turkey, Greece, Sweden, Norway, Finland, Denmark, Czech Republic, Hungary, Poland and Russia.
Please note, for most locations knowledge of the local language/market is required. Most of our programs include assignments abroad.