Senior Credit Portfolio Risk Manager

## For additional information, please review .**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.The Credit Portfolio Group Manager is a senior management-level position leading our credit risk function for unsecured lending. The successful candidate will be responsible for managing all aspects of credit risk within our unsecured lending portfolio, driving strategic initiatives, and optimizing risk-reward balance. This role requires a strong blend of technical expertise in risk analytics, data management, and credit risk concepts, coupled with exceptional leadership and interpersonal skills to effectively manage a team and engage with stakeholders. The Team Lead will be instrumental in developing, testing, optimizing, and implementing robust credit strategies that support business growth while maintaining a healthy risk profile. **Responsibilities:*** Apply in-depth knowledge of credit risk concepts, including probability of default (PD), loss given default (LGD), and exposure at default (EAD), to enhance risk models and methodologies.* 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.* 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.* Bachelor's degree in a quantitative field such as Finance, Economics, Statistics, Mathematics, Engineering, or Computer Science. Master's degree or MBA preferred.* Minimum of 8-10 years of experience in credit risk management within the financial services industry, with a significant focus on unsecured lending.* Proven experience in a leadership or team management role, with responsibility for developing and mentoring risk professionals.* Extensive experience in developing, testing, optimizing, and implementing credit strategies.**Risk Analytics:** Advanced proficiency in statistical modeling, predictive analytics, machine learning techniques, and quantitative methods for credit risk.**Data Management:** Strong understanding of data warehousing, SQL, and experience with large datasets. Familiarity with data governance and quality frameworks.**Credit Risk Concepts:** Deep understanding of credit lifecycle management (origination, account management, collections), PD/LGD/EAD modeling, stress testing, and regulatory requirements (e.g., Basel, CECL/IFRS 9).**Loss Forecasting:** Proven ability to develop and manage loss forecasting models and methodologies.**Software Proficiency:** Expertise in analytical tools such as SAS, R, Python, SQL, and data visualization tools (e.g., Tableau, Power BI).* Excellent written and verbal communication skills, with the ability to articulate complex analytical concepts to diverse audiences.* Strong influencing and negotiation skills to drive consensus and achieve strategic objectives.* Demonstrated ability to build and maintain effective working relationships with internal and external stakeholders.* Exceptional problem-solving abilities and a strategic mindset.
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