Consumer Risk, Unsecured Lending Product, Credit Analyst, Officer

Job title: Consumer Risk, Unsecured Lending Product, Credit Analyst, Officer

Company: Citigroup


Job description: At Citi, we get to connect millions of people across hundreds of cities and countries every day. And we’ve been doing it for more than 200 years. We do this through our unparalleled global network. We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world’s toughest challenges.Shape your Career with CitiCiti Global Wealth (CGW) brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices. The strategies we create help our clients maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow. We are uniquely suited to helping our clients meet their banking needs across regions through our global network.We’re currently looking for a high caliber professional to join our team as Officer, Credit Analyst – Hybrid (Internal Job Title: Credit Portfolio Intmd Analyst – C11) based in Hong Kong. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future. For instance:Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.We empower our employees to manage their financial well-being and help them plan for the future.Citi provides access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses.We have a variety of programs that help employees balance their work and life, including generous paid time off packages.We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.In this role, you’re expected to:The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for credit risk management function on retail unsecured lending business, including conducting credit policy formation and reviews, portfolio monitoring and/or risk mitigation actions. The overall objective of this role is to manage Citi’s credit risk strategy and management in retail lending business.Report to the Unsecured Lending Risk Manager to monitor and manage unsecured lending credit cyclePrepare regular MIS / reports for unsecured lending portfolios monitoring and for management’s awarenessAutomate/ digitalize routine MIS for better efficiency and for EUC eliminationPrepare and present ad hoc MIS on lending business trend highlights and key initiativesPerform regular monitoring and validation on unsecured lending credit strategyManage the testing and rule setup in credit decision systemManage credit risk function in acquisition, portfolio and/or collection actions, such as line assignment & management, account renewal, authorization, early warning alerts, risk mitigation etc.Conduct analysis to fine-tune the acquisition or portfolio management strategies in order to optimize risk & reward trade-offPerform control programs to ensure relevant credit processes are in compliance with regulatory and group requirementsParticipate in various business, risk, system & regional projects with close collaboration with other functions such as Product, Credit Operations, Technology, etcAppropriately 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 behaviour, conduct and business practices, and escalating, managing and reporting control issues with transparency.As a successful candidate, you’d ideally have the following skills and exposure:Bachelor or Post-graduate degree in Business, Statistics, Data Science or other related quantitative disciplinesMinimum 4-7 years of portfolio risk management experience in Cards and Unsecured Lending ProductsHighly numerate, good communication, interpersonal skills and ability to motivate others with leadership potentialSound knowledge in SAS programming, data mining and MS Word / Excel / Access / Power-Point is a mustExperienced in Tableau, TRIAD or Credit Decision Engine is an advantageWorking at Citi is far more than just a job. A career with us means joining a family 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.Take the next step in your career, apply for this role at Citi todayhttps://jobs.citi.com/deiJob Family Group: Risk ManagementJob Family: Portfolio Credit Risk ManagementTime Type: Full timeCiti is an equal opportunity and affirmative action employer.Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.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 review .View the ” ” poster. View the .View the .View the

Expected salary:

Location: Kowloon, Hong Kong

Job date: Sat, 01 Mar 2025 03:03:00 GMT

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