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The Credit Portfolio Senior Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.
Contribute to the development of new techniques and improvement of processes and work-flows by applying in-depth disciplinary knowledge and integrating subject matter and industry expertise within Risk Management
Develop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniques
Utilize Statistical Analysis System (SAS) in a UNIX environment to perform risk analyses including profiling, sampling, reconciliation, and quality testing
Research customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as required
Participate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiatives
Manage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior management
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.
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a sense of urgency
Proven ability to remain organized in a fast-paced environment, managing multiple projects
Proven interpersonal, organizational and analytic skills
Report to the Unsecured Portfolio Risk Manager to monitor and manage Unsecured portfolios performance, namely Credit Card & Personal Loans
Formulate and execute account management policies processes such as credit line changes, renewal, authorization, early warning alerts, stress test, early collection, etc.
Prepare regular portfolio quality review MIS & critical regulatory reporting with key commentary on portfolio trend highlights / key initiatives
Perform regular monitoring & validation on the performance of credit scorecards & bureau segmentation models. Formulate analytics - based portfolio management strategy to optimize risk-reward trade-off, track & perform effectiveness of the actions
Perform control programs to ensure relevant credit processes are in compliance with regulatory and group requirements
Participate in various business, risk & system projects with close collaboration with other functions such as Product, Credit operations, Technology, etc.
Bachelor or post-graduate degree in Business or other related quantitative disciplines
Minimum 6 years of portfolio risk management experience in Cards and Unsecured Lending Products
Experience in credit scorecard and decision engine management
Highly numerate, good communication, interpersonal skills and ability to motivate others with leadership potential
Highly numerate with sound knowledge in SAS programming, data mining and MS word / excel / access / powerpoint
------------------------------------------------- Grade :All Job Level - All Job FunctionsAll Job Level - All Job Functions - HK------------------------------------------------------ Time Type :Full time------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity. Citigroup Inc. and its subsidiaries ("Citi") invite all qualified interested applicants to apply for career opportunities. 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 CLICK HERE . To view the "EEO is the Law" poster CLICK HERE . To view the EEO is the Law Supplement CLICK HERE . To view the EEO Policy Statement CLICK HERE . To view the Pay Transparency Posting CLICK HERE .
Internal Number: 6480173
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