Credit Analytics Officer

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 Citi Citi Wealth 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 Portfolio Intmd Analyst (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 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. Portfolio Monitoring & Oversight Support the Unsecured Lending Risk Manager in the continuous monitoring and oversight of unsecured lending portfolios (Credit Cards and Personal Loans), collaborating with Business and Operations teams from end-to-end. Exercise oversight and actively manage the risk appetite framework for the unsecured lending portfolio, ensuring its operational alignment with established expectations and thresholds. Reporting & Analytics Prepare and deliver regular Management Information System (MIS) reports for unsecured lending portfolios, providing critical insights for performance monitoring and management awareness. Drive initiatives to automate and digitalize routine MIS processes to enhance efficiency, reduce manual efforts, and eliminate End-User Computing (EUC) dependencies. Prepare and present ad hoc MIS reports focusing on lending business trends, highlighting key initiatives, and providing actionable insights to senior management. Conduct in-depth analysis to fine-tune acquisition and portfolio management strategies, aiming to optimize the risk-reward trade-off for unsecured lending products. Strategy & Credit Lifecycle Management Perform regular monitoring and validation of unsecured lending credit strategies, ensuring their effectiveness and adherence to risk policies. Manage credit risk functions across the entire credit lifecycle, including acquisition, portfolio management, and collections. This encompasses activities such as line assignment and management, account renewal, authorization processes, early warning alerts, and risk mitigation strategies. Project Management & Compliance Participate actively in various regulator, business, risk, system, and regional projects, fostering close collaboration with cross-functional teams including Product, Credit Operations, Technology, and other relevant departments. Support the launch of new business initiatives, ensuring full compliance with the latest regulatory/compliance requirements and internal company policies. Develop, monitor, and optimize the utilization of various credit decision tools, including Credit Scorecards, Segmentation Models, Credit Bureau attributes, Decision Engines, and Basel models. Ensure all credit processes comply with company policies and requirements set out by local and lead regulators through the effective execution of control programs such as self-assessments, quality assurance reviews, and application audits. 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 a successful candidate, you'd ideally have the following skills and exposure: Minimum 6-7 years of credit risk and analytics management experience in Cards and Unsecured Lending Products Strong knowledge and experience in managing regulatory reporting especially Basel Proficient in handling mass data and able to interpret results with critical analysis Self-initiative, effective communication and interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness Bachelor or Post-graduate degree in Business, Statistics or other related quantitative disciplines Working 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 today https://jobs.citi.com/dei ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ 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. 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