14 days old

(SAS Required) Consumer Risk, Unsecured Lending Product, Credit Analyst, Manager

The Credit 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 cycle

+ Prepare and present ad hoc MIS on lending business trend highlights and key initiatives

+ Perform regular monitoring and validation on unsecured lending credit strategy

+ Manage 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-off

+ Perform control programs to ensure relevant credit processes are in compliance with regulatory and group requirements

+ Participate in various business, risk, system & regional projects with close collaboration with other functions such as Product, Credit Operations, Technology, and etc.


+ Minimum 5-6 years of portfolio risk management experience in Cards and Unsecured Lending Products

+ Highly numerate, good communication, interpersonal skills and ability to motivate others with leadership potential

+ Sound knowledge in SAS programming, data mining and MS Word / Excel / Access / Power-Point is a must and experienced in TRIAD or Credit Decision Engine is an advantage


+ 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


Citi 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 **Accessibility at Citi (https://www.citigroup.com/citi/accessibility/application-accessibility.htm)** .

View the "EEO is the Law (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/eeopost.pdf) " poster. View the EEO is the Law Supplement (https://www.dol.gov/sites/dolgov/files/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) .

View the EEO Policy Statement (http://citi.com/citi/diversity/assets/pdf/eeo\_aa\_policy.pdf) .

View the Pay Transparency Posting (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp\_%20English\_formattedESQA508c.pdf)
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.


Posted: 2022-05-13 Expires: 2022-06-12

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(SAS Required) Consumer Risk, Unsecured Lending Product, Credit Analyst, Manager


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