Senior Credit Portfolio Risk Manager

**Discover your future at Citi**:
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.

**Job Overview**:
Whether you’re at the start of your career or looking to discover your next adventure, your story begins here. At **Citi**, you’ll have the opportunity to expand your skills and make a difference at one of the world’s most global banks. We’re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You’ll also have the chance to give back and make a positive impact where we live and work through volunteerism.

**Shape your Career with Citi**

**Citi Global Wealth (CGW)**brings together the full power of Citi to serve the entire continuum of wealth clients, from affluent to ultra-high net worth to family offices. The strategies we create help our clients maintain liquidity while maximizing yields, transact in foreign currency and across borders, and manage fluctuating expenses or cash flow. We are uniquely suited to helping our clients meet their banking needs across regions through our global network.

**Citibank** serves as a trusted advisor to our retail, mortgage, small business and wealth management clients at every stage of their financial journey. Through Citi's Access Account, Basic Banking, Citi Priority, Citigold and Citigold Private Client, we offer an array of products, services and digital capabilities to clients across the full spectrum of consumer banking needs worldwide. We’re currently looking for a high caliber professional to join our team as **Senior Credit Portfolio Risk Manager (Senior Vice President) - Hybrid** based in **Singapore**. Being part of our team means that we’ll provide you with the resources to meet your unique needs, empower you to make healthy decision and manage your financial well-being to help plan for your future.

**Responsibilities**:
**Strategic Risk Leadership & Portfolio Management**:

- Develop, implement, and continually refine credit risk strategies for unsecured lending products (e.g. credit cards) to ensure optimal risk-reward outcomes.
- Utilize advanced risk analytics and loss forecasting techniques to identify emerging trends, assess portfolio performance, and proactively manage credit losses.
- Monitor key financial drivers and portfolio metrics to inform decision-making and recommend adjustments to credit policies and strategies.
- Collaborate with product, marketing, finance, and operations teams to align risk strategies with business objectives and drive sustainable portfolio growth.

**Technical Expertise & Analytics**:

- Lead the development, validation, and implementation of predictive credit risk models, scorecards, and decision engines.
- Oversee data management practices for credit risk, ensuring data quality, integrity, and availability for analytical purposes.
- Leverage expertise in statistical analysis, machine learning, and quantitative methods to derive actionable insights from complex datasets.
- Drive the adoption of best-in-class analytical tools and techniques to improve risk assessment and management capabilities.

**Team Leadership & Development**:

- Lead, mentor, and develop a team of risk analysts and specialists, fostering a culture of high performance, continuous learning, and collaboration.
- Set clear performance objectives, provide regular feedback, and conduct performance reviews for team members.
- Delegate tasks effectively, manage team workload, and ensure timely delivery of projects and initiatives.
- Promote a data-driven approach to problem-solving and decision-making within the team.

**Stakeholder Management & Communication**:

- Build and maintain strong relationships with internal stakeholders across various departments, including executive management, product, finance, sales, and compliance.
- Communicate complex risk concepts and analytical findings clearly and concisely to both technical and non-technical audiences.
- Represent the credit risk function in various committees and forums, advocating for sound risk management practices.
- Influence decision-making by providing insightful analysis and strategic recommendations.

**Strategy Development, Testing & Implementation**:

- Lead the end-to-end process of developing new credit strategies, from conceptualization and hypothesis generation to model building and testing.
- Design and execute champion/challenger tests and other experimental designs to evaluate the effectiveness of new strategies.
- Oversee the seamless implementation of approved credit strategies into decision systems and operational processes.
- Establish robust monitoring frameworks to track the performance of implemented strategies and ensure expected outcomes.

**Qualifi