• Competitive
  • Singapore
  • Permanent, Full time
  • Citibank NA
  • 22 Mar 18

GCG – Unsecured Credit Policy Manager

GCG – Unsecured Credit Policy Manager

  • Primary Location: Singapore,Singapore,Singapore
  • Education: Bachelor's Degree
  • Job Function: Risk Management
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: No
  • Job ID: 18004566


  • You will be a senior member of the Consumer Bank Unsecured Product Risk Team managing credit policy for Bankcards and Ready Credit products for Citi Singapore Limited.  This position reports to the Unsecured Risk Head within the Singapore Risk Management team
Key Responsibilities:
  • Design and manage credit policy for new acquisitions and existing customer management for Bankcards and Ready Credit products. Support tactical and strategic Risk Analytics projects for the businesses
  • Work closely with relevant stakeholders in Product, Sales, Credit Operations to refine Credit Policy and Process requirements
  • Independently manage development and implementation of effective risk management strategies that help mitigate credit losses
  • Continuous evaluation of effectiveness of current policies and strategies, highlighting concerns if any and proposing remedial actions
  • Design relevant benchmarks for new acquisitions and existing customer management policies to ensure portfolio remains within acceptable risk framework. Close monitoring of performance against these benchmarks, along with detailed investigation in case of breaches
  • Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes. Design tests to expand customer base within acceptable target segment. Leverage bureau data to design strategies for the portfolio, along with the portfolio management analyst
  • Manage credit loss forecasting and loss provisioning
  • Manage all regulatory and internal reporting for Unsecured products
  • Partner with Technology, Operations and Product teams for system enhancements related to unsecured policy implementation. Participate in relevant system developments by getting involved in development, UAT and production cutover stages
  • Ensure timely and accurate reporting of acquisition related data internally and externally
  • Must be able to effectively provide updates and communicate key initiatives to senior risk management


  • Ideal candidate will have a degree holder with at least 10-12 years of work experience with atleast 5-6 years in Risk Management
  • Good  knowledge of SAS and spreadsheets. Prior experience in data analytics and SAS system will be highly desirable
  • Good knowledge of Consumer asset products. Prior work experience in Credit Operations, or Decision Analytics will be an added advantage
  • Good communication skill (verbal and written) and able to articulate point of view and interact well with business partners
  • Strong team player and relationship management skill. Ability to effectively network with co-worker from cross functional and multi-task in a fast paced environment
Singapore Singapore Singapore SG