(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:

• Monitor and manage collection strategies for unsecured lending products (including credit card, personal loan, and ready credit)
• Oversight and manage risk appetite framework on collection strategies and make sure it is operating according to expectation
• Support to launch of collection program (if any) and compliance to latest regulatory and internal policy
• 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
• Build working relationships with various teams across the bank, including Collection Operation Team
• 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:

• Minimum 2+ years of credit risk and analytics management experience in Cards and Unsecured Lending Products
• 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's degree/University degree or equivalent experience

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