Citibank

HK - GCB - Risk Analyst (Unsecured Lending)

Citibank
Full Time
Junior (less than 3 years)
Bachelor to Master
English

Job Description

HK - GCB - Risk Analyst (Unsecured Lending)

Location: APAC-HKG-Hong Kong-Hong Kong

  • Report to the Unsecured Portfolio Risk Manager to monitor and manage Unsecured portfolios performance, including Credit Card & Personal Loans
  • Prepare regular portfolio quality MIS and regulatory reporting with key commentary on portfolio trend highlights and key initiatives
  • Perform regular monitoring and validation on the performance of the unsecured lending portfolios
  • Conduct portfolio and collection management actions, such as line management, account renewal, authorization, early warning alerts, stress test and loan loss forecast
  • Conduct analysis to fine-tune the acquisition / portfolio management strategies in order to optimize risk & reward trade-off
  • Perform control programs to ensure relevant credit processes are in compliance with regulatory and group requirements
  • Participate in various business, risk & system projects with close collaboration with other functions such as Product, Credit Operations, Technology, etc.

Qualifications

  • Bachelor or post-graduate degree in Business or other related quantitative disciplines
  • Minimum 1-2 years of portfolio risk management experience in Cards and Unsecured Lending Products
  • Experience in credit scorecard and decision engine management
  • 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/PowerPoint is a must

Technical Skills

  • Compliance
  • Data Mining
  • Forecasting
  • Microsoft Access
  • Microsoft Excel
  • Microsoft Powerpoint
  • Microsoft Word
  • Portfolio Management
  • Regulatory Reporting
  • SAS (Statistical Software)
  • Stress testing