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.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 countryWe empower our employees to manage their financial well-being and help them plan for the future

Citi Wealth is an integration of Citi Private Bank and the Consumer Wealth organization into a single business enabling Citi to serve its clients across the wealth spectrum and capitalize on Citi’s industry leading capabilities to support the goal of Wealth, which is to be the leading wealth management provider globally. As we embark on this journey, it is imperative to have a strong Risk & Control framework, supporting this goal through an independent but integral Internal Control organization.

Citibank serves as a trusted advisor to our retail, mortgage, small business and wealth management clients at every stage of their financial journey.  Through Citi's Access Account, Basic Banking, Citi Priority, Citigold and Citigold Private Client, we offer an array of products, services and digital capabilities to clients across the full spectrum of consumer banking needs worldwide. We’re currently looking for a high caliber professional to join our team as Credit Portfolio Senior Analyst based in Singapore. 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.

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.

Responsibilities:

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 ManagementDevelop recommendations to adjust credit policies by analyzing credit and financial performance and utilizing statistical scoring, segmentation, and regression and simulation techniquesUtilize Statistical Analysis System (SAS) in a UNIX environment to perform risk, financial and data analyses including profiling, sampling, reconciliation, and quality testingResearch customer and/or management queries using risk systems and data and support ad-hoc risk policy analyses and projects as requiredParticipate in developing, testing, and optimizing credit policies, ensuring consistency and regulatory compliance, and assist in the implementation of those policies, processes and other related initiativesManage risk levels for the entire credit spectrum across multiple products and retail formats and prepare risk management presentations for senior managementAppropriately 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.

Qualifications:

5-8 years of relevant experienceKnowledge of commercial risk analyticsAbility to apply credit and risk principles toward business goalsDemonstrated ability to synthesize, prioritize and drive results with a sense of urgencyProven ability to remain organized in a fast-paced environment, managing multiple projectsProven interpersonal, organizational and analytic skills

Education:

Bachelor's degree/University degree or equivalent experience

Credit Portfolio Senior Analyst – Investment Lending

This role is within the Singapore Consumer Risk Management Team and supports the Investment secured Portfolio for Asia South Wealth Business (across Onshore & IPB). Singapore CGCPC Investment lending portfolio is the largest internationally and covers both GML (Margin/Investment Lending) and Insurance Premium Finance (IPF) products. The position will be responsible for review of collaterals for acceptance & monitoring the portfolio credit quality. The role also requires involvement in portfolio MIS reporting & analytics to ensure compliance to risk management policies for the Investment secured portfolio. This involves interaction with Credit Operations, Operations and Technology functions, product teams and front office.

The position reports to Investment Lending Risk Head in Citibank Singapore Ltd - Asia South (Wealth) Risk Management team.

Responsibilities:

This role will serve as the key point of contact for all LV related queries across lending products and system handling of limits, concentration, and caps. The candidate needs to possess a keen interest in investments and have a strong understanding of various asset class i.e. Equities, Fixed Income, Structured Notes, Mutual Funds, derivatives etc. He/She must be able to value-add by providing strategic inputs on market dynamics, macroeconomics trend and knowledge of Competitors’ stance.Portfolio Management: Proactively monitors the Investment Portfolio for Asia South Wealth Business (covering margin lending and Insurance Premium Financing), identifying emerging risks, concentration exposures, and opportunities for early intervention. The role involves developing and implementing risk management frameworks, evaluating the health quality of our credit portfolio and ensuring adherence to regulatory requirements and internal credit policies.Prepare and enhance Portfolio analytics for risk differentiated reviews and ensuring continual compliance with Citi Credit Policy/Regulations/Product Programs such as reviewing portfolio collateral concentration, liquidity, and limit excess.Have a keen eye for details. Able to bring about portfolio optimization with good understanding of the mechanics of Margin Lending and regulations and able to assimilate and apply Citi Credit Policy/Regulations/Product Programs into daily processes and discussions with stakeholders.Work with Investment Lending Risk Head to evaluate, analyze and recommend policy decisions related to credit and collateral acceptance of marketable securities.Business Engagement: Collaborate with Credit Operations, Operations and Technology functions, product teams and front office to structure credit solutions that meet client needs while maintaining an independent Risk stance with strong risk oversight.Risk Framework Enhancement: Contribute to the refinement of in-country credit policies, risk appetite statements and ensuring alignment with global guidance and regulatory standards (e.g., Basel III/IV, IFRS 9).Continuously identify process improvements and efficiencies to support business unit goals through process automation, dissecting issues and making sound recommendations within our Risk framework.Provide support to the risk managers on strategic initiatives and related enhancements.Appropriately assess risk when business decisions are made, demonstrating 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.Support risk-reward balanced and profitable asset growth, in line with Asia South Wealth Strategic Priorities, and optimize productivity/competitiveness by continuously working with stakeholders to roll out new Product OR improve our existing offering for leverage.Mentor and guide junior credit analysts and other team members, fostering a culture of excellence and continuous learning.

Qualifications

5-8 years of relevant experienceBachelor's degree/University degree or equivalent experienceExcellent working knowledge of financial markets including investments, FX, and margin lending experience is a key differentiatorAble to rationalize logically and consistently demonstrate clear and concise written and verbal communicationStrong team player - You should be able to work effectively individually as well as effectively network with coworker from cross functional and multitask in a fast-paced environmentGood attitude, willingness to learn and possessing high integrityAbility to work under pressure, prioritize to meet deadlines.Highly proficient in MS Office - (Excel, Access, PowerPoint)

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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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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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