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

GCG - Regional Credit Strategy Head, Regional Cards & Loans

GCG - Regional Credit Strategy Head, Regional Cards & Loans

  • Primary Location: Singapore,Singapore,Singapore
  • Education: Bachelor's Degree
  • Job Function: Product Management
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: Yes, 25 % of the Time
  • Job ID: 18009650


This newly created position resides within Singapore-based Regional Cards & Loans organization as Head of Credit Strategy for Cards & Loans for Asia Pacific.

The successful incumbent will have a deep understanding and appreciation of Risk-Reward trade-off and able to operate with dual-goals of Revenue and Loss. The position will have a broad responsibility to manage Underwriting strategy for APAC market. In order to accomplish the goals, the position will: a) head up a Regional credit strategy team (Onshore & Offshore); b) partner with the Country-based underwriting teams within the Region to set up the policies and to execute them.

Key responsibilities include:

Credit Strategy:
  • Identify broad based, region-wide targeting & decisioning opportunities within Risk appetite and partner with local risk teams to execute.
  • Design new/alternate framework(s) of credit decisioning - via new segmentation methods, account level frameworks, valuation techniques, and by better linking the risk decision with the targeting.
  • Own and drive a disciplined testing agenda across the Region by maximizing learnings, minimizing value at risk, and fully adhering to global policies.  Drive cross-pollination of industry leading practices across countries and champion policy initiatives requiring scale.
  • Represent, defend credit strategy framework with internal & external regulators and other stakeholders.
Line/Loan Management:
  • Manage the line and loan management programs at APAC level. Map out region-level opportunities to improve/upgrade the line strategy to optimize profit within risk appetite.
  • Re-imagine line strategy in the consent-world and find ways to better service customers, optimize profits, manage losses - all while adhering to global & regulatory policies.
  • Partner with business and in-country risk to manage risk based pricing strategy.
  • Setup and design new price sensitivity tests to optimize the offering while broadening the product's usage.


The ideal Candidate will meet the following requirements:
  • A strategist with broad based understanding of lending, P&L drivers, and business strategies and portfolio performance implications .
  • Business or engineering or related background. 14yrs+ related experience in management consulting or a lending institution with deep risk-reward understanding.
  • Fluent in working with regulators and compliance; Strong partnerships across multiple business/functional areas.
  • Demonstrated ability to manage seasoned risk policy managers.
  • Exhibit forward-thinking foresight. One who can think outside the box and afraid to take calculated chances.
  • Outstanding communicator; ability to engage small and large audiences. 
Singapore Singapore Singapore SG