Consumer Risk, Credit Analyst, Officer

The Credit Analyst II 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.

Responsibilities:

• 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
• Manage credit decision tool to facilitate end-to-end application and approval process
• 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, etc

Qualifications:

• Minimum 2-3 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 credit decision tools is an advantage
• Consistently demonstrate clear and concise written and verbal communication
• Proven ability to work with little direction and in a team
• Demonstrated accountability and self-motivation

Education:

• Bachelor or Post-graduate degree in Business, Statistics, Data Science or other related quantitative disciplines

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