Credit Risk Analyst - Unsecured Lending, Citi

Citi

Location:
Singapore, Singapore

Category:
Finance

Contract Type:
Not provided

Salary:

Not provided

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Job Description:

The Credit Portfolio Analyst II is an intermediate-level position responsible for monitoring the portfolio to identify credit migration in coordination with the Risk Management team, reporting under Retail Unsecured Team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally.

Job Responsibility:

Conduct risk assessments and client credit analyses with supervision
Perform portfolio analysis and monitoring tools using data driven tools
Escalate credit concerns and updates to senior risk and business managers
Support the proposal of risk mitigation actions
Assist with portfolio review preparation and the conduct of stress tests
Build working relationships with various teams across the bank
Support compliance with applicable laws, rules, and regulations
Provide input into the risk analysis of tools used to monitor Credit Risk Exposure
Assist in monitoring credit portfolio limits to ensure compliance with risk appetite limits

Requirements:

0-2 years of experience in credit risk analysis or corporate banking
Working knowledge of various data management tools, eg. SAS, Python, R, SQL
Experience in financial analysis, data management, and reporting
Knowledge of accounting and corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
Familiarity with data interpretation and ability to challenge decisions based on data analysis
Basic understanding of various risk factors including stress testing, collateral risk and volatility, concentration risks, liquidity, and wrong way risk
Ability to interpret data, make sound decisions, and challenge the basis of the analysis
Clear and concise written and verbal communication
Ability to work with little direction and in a team
Problem-solving skills to identify, analyze, and challenge basic problems
Familiarity with risk management software and other relevant technologies
Adaptability and flexibility to respond to ad-hoc requests and changes in the regulatory environment
Bachelor's degree/University degree or equivalent experience

Nice to have:

Enthusiastic and early adopter of change
Takes ownership for helping others see a better future and stay positive during uncertainty
Demonstrates and inspires curiosity in seeking new ways to overcome challenges
Actively applies learning from failures
Challenges self and others to seek out and communicate alternative views even when unpopular
Welcomes diverse ideas to improve outcomes
Acts as a change catalyst by identifying and helping others see where new ideas could benefit the organization

What we offer:

Programs and services for physical and mental well-being including access to telehealth options, health advocates, confidential counseling
Empowerment to manage financial well-being and help plan for the future
Opportunities to volunteer in Citi programs that support the community

Additional Information:

Job Posted:
September 27, 2025

Employment Type:

Fulltime

Work Type:

On-site work

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Credit Risk Analyst - Unsecured Lending