Credit Portfolio Analyst - Investment Risk (Officer)

15573 CITIBANK SINGAPORE LTD; Singapore; Hybrid; SGD 60,000 - 80,000; Full time

Job summary

A prominent global banking institution in Singapore is seeking a Credit Portfolio Analyst - Investment Risk (Officer) to join their Wealth Lending Risk Management Team. The successful candidate will manage automation initiatives and interact with various teams for improving processes. A Bachelor's degree and 1-3 years of relevant experience in consumer risk analytics are required. This full-time position provides opportunities for professional growth and collaboration in a fast-paced environment.

Qualifications

• 1-3 years of experience in consumer risk analytics and managing regulatory projects from a credit risk perspective.
• Experience in managing data, rule‑based automation, and managing the end‑to‑end data lifecycle.
• Knowledge and prior experience in investment products (Bond, Stocks, Funds etc.) is an added advantage.
• Ability to apply credit and risk principles toward business goals.
• Strong communication skills, both written and verbal.
• Ability to remain organized in a fast-paced environment with multiple projects.
• Self-starter, proactive, and a team player.

Responsibilities

• Lead technology upgrades and enhance automation of existing processes related to MSBF and IPF.
• Manage the end-to-end automation of Facility Opening including digitization.
• Support system implementation and process enhancements for global and local reporting.
• Conduct Mark to market process, issue margin calls to RMs and follow up.
• Identify process improvements and efficiencies through dissecting issues.
• Establish cross‑functional partnerships to support business initiatives.

Skills

Analytical Thinking

Constructive Debate

Escalation Management

Industry Knowledge

Policy and Procedure

Process Execution

Product Knowledge

Risk Identification and Assessment

Education

Bachelor's degree/University degree or equivalent experience

Job description

Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

Shape your Career with Citi

Citi Global Wealth (CGW) 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.

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 Analyst - Investment Risk (Officer) - Hybrid 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 Risk Analyst role is within the Wealth Lending Risk Management Team. The role supports the Investment secured portfolio for Singapore business. The Singapore Investment lending portfolio is the largest among all countries with consumer SBL (Securities Based Lending) and IPF (Insurance Premium Financing) products.

The role is primarily involved in managing automation initiatives, technology upgrades, and making existing processes more efficient. This role involves regular interaction with Credit Operations and Technology Functions as well as the Product Teams for both SBL & IPF.

Responsibilities:

• Lead technology upgrades & enhance automation of existing processes related to MSBF & IPF. Contribute to system changes and be involved in during the testing stage for system cutovers
• Lead the Credit Decision Engine (CDE) project and manage the end‑to‑end automation of Facility Opening including digitization and setting up of a rule‑based Straight‑Through Process.
• Support system implementation and process enhancements with respect to data across multiple products and retail formats for global & local reporting.
• Interpret MIS and continuously upgrade on the same through automation.
• Conduct Mark to market process, issue margin calls to RMs and follow up on timely resolution as a backup.
• Continuously identify process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations
• Establish cross‑functional partnerships and networks to support the cross‑functional business initiatives
• 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 well as effectively supervising the activity of others and creating accountability with those who fail to maintain these standards.

Qualifications:

• 1‑3 years of experience in consumer risk analytics and managing regulatory projects from credit risk perspective
• Experience in managing data, rule‑based automation and managing the end‑to‑end data life cycle.
• Knowledge and prior experience in investment products (Bond, Stocks, Funds etc.), trading products, wealth management, systems and key processes would be an added advantage.
• Ability to apply credit and risk principles toward business goals
• Consistently demonstrate clear and concise written and verbal communication
• Ability to remain organized in a fast‑paced environment, managing multiple projects
• Strong self‑starter, pro‑active and team player.
• Good attitude, willingness to learn and possessing high integrity

Education:

• Bachelor's degree/University degree or equivalent experience

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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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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.

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Other Relevant Skills

For complementary skills, please see above and/or contact the recruiter.

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