(SAS required) Consumer Risk, Data Projects, Credit Analyst, Officer (SAS required) Consumer Risk, Data Projects,  …

Citi
in Hong Kong
Permanent, Full time
Be the first to apply
Competitive
Citi
in Hong Kong
Permanent, Full time
Be the first to apply
Competitive
Citi
(SAS required) Consumer Risk, Data Projects, Credit Analyst, Officer
The Credit Portfolio Analyst II 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:
  • Report to Senior Credit Risk Manager to support Regional's data project
  • Oversight and manage the data project and make sure it is operating according to expectation
  • Manage credit loss forecasting, loan loss reserve forecasting, stress testing exercise, and model review/ renewal.
  • Develop, monitor and optimize utilization of various credit decision tools such as Credit Scorecards, Segmentation Models, Credit Bureau attributes, Decision Engine, and etc.
  • Ensure all credit processes are in compliance with company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, quality assurance, application audit
  • Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
  • Assist with portfolio review preparation and conducting stress tests
  • Build working relationships with various teams across the bank, including deal, coverage and product teams
  • 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.

Qualifications:
  • 5-7 years of experience in credit risk analysis in Cards and Personal Loan products
  • Experience in managing regulatory reporting
  • Consistently demonstrate clear and concise written and verbal communication
  • 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
  • Sound knowledge in SAS programming, data mining and MS word/excel/access/power-point is a basic
Education:
  • Bachelor or Post-graduate degree in Business, Statistics or other related quantitative disciplines


Job Family Group:
Risk Management
Job Family:
Credit & Portfolio Risk Management
Time Type:
Full time
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