Senior Credit Portfolio Risk Manager (Senior Vice President)

Senior Credit Portfolio Risk Manager (Senior Vice President) - Hybrid (Singapore)

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. The Credit Portfolio Group Manager is a senior management level position leading our credit risk function for unsecured lending. The successful candidate will manage all aspects of credit risk within our unsecured lending portfolio, drive strategic initiatives, and optimize risk‑reward balance.

Responsibilities

• 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.
• Apply in-depth knowledge of credit risk concepts (PD, LGD, 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.
• 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.
• 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.

Qualifications

Job Family Group

Risk Management

Job Family

Portfolio Credit Risk Management

Time Type

Full time

Most Relevant Skills

Other Relevant Skills

For complementary skills, please see above and / or contact the recruiter.

Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.

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