• Competitive
  • Singapore
  • Permanent, Full time
  • Citibank NA
  • 2018-06-21

GCG - Unsecured Risk Policy Manager

GCG - Unsecured Risk 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: 18032188


You will be a senior member of the Consumer Bank Unsecured Product Risk Team covering Acquisition credit policy for Bankcards and Ready Credit products for Citi Singapore Limited. This position reports to the Senior Unsecured Policy Manager within the Singapore Risk Management team.
Key Responsibilities:
  • Design and manage credit policy related to new acquisitions 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 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, Close tracking of portfolio performance using SAS and decision tree.
  • Design relevant benchmarks for the new portfolio to enable portfolio to remain within acceptable risk framework. Close monitoring of the 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 the customer base within acceptable target segment. Leverage bureau data to design strategies for the portfolio, along with the portfolio management analyst.
  • 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 7-8 years of work experience.
  • Good knowledge of SAS and spreadsheets. Prior experience in data analytics and SAS system will be highly desirable. 
  • Knowledge of Consumer asset products would be helpful. Prior work experience in Risk Management, Credit Operations, or Decision Analytics will be an added advantage.
  • Good communication skill (verbal & 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.
  • Education Level: Graduate Degree
  • Primary Location: APAC-SGP-Singapore-Singapore
  • Schedule: Full-time
  • Employee Status: Regular
  • Travel: No
  • Relocation: Yes
  • Salary Grade: C12
Singapore Singapore Singapore SG