Credit Portfolio Senior Analyst, Citi

Citi

Location:
Singapore, Singapore

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

This role is within the Singapore Consumer Risk Management Team and supports the Investment secured Portfolio for Asia South Wealth Business (across Onshore & IPB). Singapore CGCPC Investment lending portfolio is the largest internationally and covers both GML (Margin/Investment Lending) and Insurance Premium Finance (IPF) products. The position will be responsible for review of collaterals for acceptance & monitoring the portfolio credit quality. The role also requires involvement in portfolio MIS reporting & analytics to ensure compliance to risk management policies for the Investment secured portfolio. This involves interaction with Credit Operations, Operations and Technology functions, product teams and front office.

Job Responsibility:

Serve as the key point of contact for all LV related queries across lending products and system handling of limits, concentration, and caps
Proactively monitors the Investment Portfolio for Asia South Wealth Business (covering margin lending and Insurance Premium Financing), identifying emerging risks, concentration exposures, and opportunities for early intervention
Prepare and enhance Portfolio analytics for risk differentiated reviews and ensuring continual compliance with Citi Credit Policy/Regulations/Product Programs such as reviewing portfolio collateral concentration, liquidity, and limit excess
Work with Investment Lending Risk Head to evaluate, analyze and recommend policy decisions related to credit and collateral acceptance of marketable securities
Collaborate with Credit Operations, Operations and Technology functions, product teams and front office to structure credit solutions that meet client needs while maintaining an independent Risk stance with strong risk oversight
Contribute to the refinement of in-country credit policies, risk appetite statements and ensuring alignment with global guidance and regulatory standards (e.g., Basel III/IV, IFRS 9)
Continuously identify process improvements and efficiencies to support business unit goals through process automation, dissecting issues and making sound recommendations within our Risk framework
Provide support to the risk managers on strategic initiatives and related enhancements
Mentor and guide junior credit analysts and other team members, fostering a culture of excellence and continuous learning

Requirements:

5-8 years of relevant experience
Bachelor's degree/University degree or equivalent experience
Excellent working knowledge of financial markets including investments, FX, and margin lending experience is a key differentiator
Able to rationalize logically and consistently demonstrate clear and concise written and verbal communication
Strong team player - You should be able to work effectively individually as well as effectively network with coworker from cross functional and multitask in a fast-paced environment
Good attitude, willingness to learn and possessing high integrity
Ability to work under pressure, prioritize to meet deadlines
Highly proficient in MS Office - (Excel, Access, PowerPoint)

What we offer:

Access to telehealth options, health advocates, confidential counseling
Programs and services for physical and mental well-being
Empowerment to manage financial well-being and help plan for the future

Additional Information:

Job Posted:
May 14, 2025

Employment Type:

Fulltime

Work Type:

Hybrid work

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Credit Portfolio Senior Analyst