Financial Planning & Analysis - Lending Analyst, Assistant Vice President

Citi; Singapore; Hybrid; SGD 120,000 - 180,000; Full time

Benefits offered by this job

Hybrid work model

Global learning resources

Exposure to senior stakeholders

Competitive compensation and benefits

Job summary

Citi is seeking a high-caliber Finance professional to join the Lending Analyst, Assistant Vice President team in Singapore. You will partner with the Wealth Lead Finance Office, translating complex financial data into actionable business insights across Singapore, Hong Kong, and the UAE.

You will work closely with senior leaders to inform strategy and drive performance. This role offers exposure to high-profile portfolios, cross-market collaboration, and a hybrid work arrangement.

Qualifications

• 5 to 8 years of experience in financial planning, analysis, management reporting, or similar finance discipline.
• Experience with consumer banking, cards, lending, or wealth mgmt products preferred.
• Ability to translate financial data into clear business narratives.

Responsibilities

• Serve as the primary finance partner for Singapore Cards and Personal Lending, cross-market Securities-Based Lending.
• Lead budgeting, forecasting, and financial planning cycles with cross-functional partners.
• Analyze portfolio performance, identify variances, and propose corrective actions.
• Produce financial reports, dashboards, and analytics for senior leadership.
• Prepare Business Review materials with COO teams for commercially relevant presentations.
• Identify opportunities for expense optimisation and drive efficiency.
• Assess financial risks and inform portfolio governance and decisions.

Skills

Financial planning

Budgeting

Variance analysis

Stakeholder management

Communication

Strategic advisory

Education

Bachelor's degree in Finance, Accounting, Economics, Business, or related field

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 Finance is responsible for the firm’s financial management and related controls. We manage and partner on key Citi initiatives and deliverables, such as our quarterly earnings process and ensuring Citi’s compliance with financial rules and regulations. The team comprises chief financial officers who partner with each of our businesses and disciplines including controllers, financial planning and analysis, strategy, investor relations, tax and treasury.

We’re currently looking for a high caliber professional to join our team as Financial Planning & Analysis - Lending Analyst, Assistant Vice President 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.

Join Citi's Wealth Lead Finance Office (LFO) organization, where you will serve as a dedicated finance partner and strategic adviser to one of Citi's high-priority consumer lending businesses across Singapore, Hong Kong, and the UAE. In this role, you will hold direct finance coverage responsibility for the Singapore Cards and Personal Lending portfolios, as well as the Securities-Based Lending portfolio across all three markets, translating complex financial data into clear commercial narratives that directly inform business strategy. Working within a focused team of approximately 10 finance professionals, you will operate at the intersection of financial planning, performance analysis, and stakeholder engagement to help shape and deliver the financial objectives of the business.

Responsibilities

• Serve as the primary finance partner for the Singapore Cards and Personal Lending portfolios and the cross-market Securities-Based Lending business teams, advising product and country teams on financial performance and strategic priorities.
• Lead short and long-term budgeting, forecasting, and financial planning cycles for covered portfolios, coordinating with FP&A, Treasury, Risk, and business partners to deliver accurate, timely outputs.
• Analyze portfolio financial performance against plan, identify variances, and develop clear corrective action recommendations
• Produce financial reports, dashboards, and performance analytics covering key metrics, results, and trends to support data-driven business decisions
• Prepare and contribute to Business Review materials, working closely with COO teams and cross-functional partners to deliver commercially relevant, audience-appropriate presentations.
• Identify and support expense optimisation opportunities and initiatives in collaboration with COO teams, contributing to improved financial efficiency across the portfolios.
• Assess financial risks and emerging opportunities proactively, raising issues and challenging assumptions as appropriate to protect portfolio performance and uphold sound financial governance.

Required Qualifications & Skills

• 5 to 8 years of experience in financial planning, analysis, management reporting, or a closely related finance discipline within financial services or banking.
• Demonstrated ability to deliver end-to-end financial planning and budgeting processes, including forecasting, variance analysis, and performance reporting.
• Experience working with consumer banking, cards, lending, or wealth management products, with the ability to develop a strong understanding of business mandates and strategic objectives.
• Ability to translate complex financial information into clear, commercially relevant narratives tailored to a range of audiences, from product teams to senior Finance and business leadership.
• Skilled at managing multiple competing priorities independently in a fast-paced, cross-market environment while maintaining accuracy and meeting deadlines.
• Effective communicator who can engage confidently with senior business and Finance stakeholders, raise issues constructively, and influence decisions through well-supported analysis.
• Bachelor's degree in Finance, Accounting, Economics, Business, or a related field, or equivalent professional experience.

What We Offer

At Citi, you will join a collaborative, performance-driven finance team with genuine cross-market reach and the opportunity to contribute meaningfully to business outcomes across some of Citi's most active consumer portfolios in Asia and the Middle East. This is a role with real scope and clear ownership.

• Direct ownership of high-profile portfolios spanning Singapore, Hong Kong, and the UAE, giving you broad regional exposure and genuine strategic impact from day one.
• A hybrid working model with 3 days in the office and 2 days working remotely, supporting a sustainable balance between collaboration and focused work.
• Access to Citi's global learning and development resources, with clear pathways to grow your finance career within one of the world's leading financial institutions.
• A close-knit, experienced team of approximately 10 finance professionals where your contributions are visible, valued, and directly connected to business outcomes.
• Exposure to senior business and Finance stakeholders across multiple markets, accelerating your professional development and broadening your network within Citi's international footprint.
• Competitive compensation and a comprehensive benefits package aligned to your market, including financial wellbeing and family support programmes.

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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