Credit Risk Operations Job at Airwallex (Singapore)

Counterparty Credit Risk Analyst - Funds

Institutional Credit Management (ICM) is a critical component of Citi’s First Li...

Location

United States , Getzville; Irving

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Demonstrable financial services experience, including 2-3 years of credit experience in Banking, Credit Risk Management or equivalent credit experience
Strong knowledge of Wholesale Credit Processes and organizational awareness including ICM Risk Analysis (ICM) functions, covered portfolios/products, and processes
Sound understanding of policies and procedures with the ability to execute change seamlessly
Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks
Solid and thorough knowledge of Citi´s systems
Experience in preparing presentations for seniors
Full awareness and adherence to the control environment including Quality Assurance and Quality Control
Strategic orientation to ensure the ICM Underwriting organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi
Experience and familiarity with Real Money Funds, Asset Managers, Pension Funds – Industry products and relevant CCR risk measures
Intermediate analytical skills, including an understanding of key financial components (liquidity position, leverage profile) with the ability to identify root causes and trends and anticipate horizon issues

Job Responsibility

Assess the credit and financial strength of Citi’s Real Money Funds Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s Funds Counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite
Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Underwriting Team Leads, 2LoD Risk Partners and BCMA partners
Review and provide recommendation on the risk rating across the Funds sector
Partner with regional and industry stakeholders in Underwriting, 2LoD, and BCMA in the implementation of credit assessment and monitoring standards for applicable portfolios
Support ICG Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

What we offer

medical, dental & vision coverage
401(k)
life, accident, and disability insurance
wellness programs
planned time off (vacation)
unplanned time off (sick leave)
paid holidays

Fulltime

Senior Intake Analyst Consumer Credit Risk

The Senior Intake Analyst (AVP) – Consumer Credit Risk will own the change manag...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor’s degree in Business, Finance, Risk Management, or a related field
Advanced degrees and certifications in project management or risk management are a plus
8-12 years of experience in credit risk, change management, or project management roles
Experience managing control breaks and BAU activities within a highly regulated financial services environment
Strong project management skills
Deep understanding of credit risk management, risk control frameworks, and regulatory requirements related to credit risk
Strong collaboration and stakeholder management skills
Strong analytical skills
Experience leading process improvement initiatives using methodologies such as Lean or Six Sigma.

Job Responsibility

Lead the end-to-end change management process for credit risk initiatives, including new product introductions, regulatory updates, credit policy changes, and system enhancements
Oversee the successful implementation of changes, ensuring adherence to timelines, budget, and quality standards while minimizing operational disruption
Identify and manage control breaks within credit risk processes, ensuring timely remediation to mitigate operational and compliance risks
Collaborate with risk control and audit teams to implement solutions that strengthen internal controls
Manage BAU activities related to credit risk, ensuring that ongoing processes, including risk assessments, reporting, and compliance checks, are executed effectively
Partner with technology, operations, risk, and compliance teams to ensure the successful delivery of credit risk changes and projects
Serve as a liaison between senior management and working teams, ensuring that change initiatives are well-communicated and aligned with organizational strategy
Use data and analytics to evaluate the impact of changes on the organization’s risk profile
Lead efforts to continuously improve the change management and intake processes.

What we offer

Global benefits
Support for well-being, growth, and work-life balance.

Fulltime

Global Head of Credit Risk Management Services

Provide Leadership and Strategic Direction for CRMS globally including direct ma...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor’s / University degree
Master’s degree and managerial experience a distinct advantage
demonstrate a consistent track record having worked as a Program or Project Manager, Transformation Lead, PMO or hands on credit and risk management experience
at least 15 years’ experience in Product Development, Banking or Credit Risk Management, including 10+ years of managerial experience
in depth understanding of global and local trends in Financial reporting and standards including regulatory reporting.

Job Responsibility

Act as CRMS point of contact Globally
partner with global leadership in defining and executing CRMS target operating model
effective control and management of the Global function
identification, development, and implementation of CRMS initiatives
act as the key contact and take accountability for internal and external audits
lead projects and provide valuable input to enhance processes
partner with Product Management to reduce risk, automate and streamline through technology
recruitment and selection of staff
contribute to implementation of Institutional Credit Management global and regional strategic plans
management of operational risk and controls

Fulltime

Credit Risk Underwriter

The role will be working in the credit underwriting and risk team supporting our...

Location

United Kingdom , Marlow

Salary:

Not provided

Softcat

Expiration Date

Until further notice

Requirements

Excellent organisational skills and attention to detail
Ability to multitask and make decisions under pressure
Effective communication skills, with the ability to develop and maintain relationships with different personalities across the business
Minimum of 3 years' experience in a similar underwriting role
Strength of character to stand by decisions and explain to those less familiar with credit risk
Ability to take calculated risks with favourable outcomes
Demonstrate the ability to think around a subject, considering risk implications of our current policies and procedures
Strong financial literacy and ability to interpret financial information from a credit-worthiness perspective
Basic knowledge of key industry and political risks

Job Responsibility

Action credit limits within the worklist by evaluating the customer's creditworthiness based on publicly available information and/or data obtained directly from the customer up to approved DOA
Reviewing recommendations provided by Credit Underwriter 1, within Delegation of Authority and providing guidance where necessary
Write up commercial papers with a clear recommendation to go to the Senior Credit Underwriter and above (depending on DOA)
Apply for insurance where credit limit is £300k plus
Liaise with key internal stakeholders, including Head of Credit, Commercial Risk and Group Financial Controller and the Senior Leadership Team
Proactively collaborating with sales teams and business operation departments within Softcat
Providing support to colleagues and account managers with queries
Providing support on order related tasks, including First Order Checks and 20k new address checks
Complete ad-hoc tasks as required within DOA level
Bank verifications of new creditors

What we offer

Pension
Share incentive plan
Life Assurance
Healthcare
Holiday
Trips
Vouchers
Partner/family Benefits
Perklife
Maternity, Paternity and Adoption support

Fulltime

Credit Portfolio Analyst II

The Credit Portfolio Analyst II is responsible for the end-to-end management and...

Location

India , Mumbai; Pune

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor’s degree in information technology, Business, Risk Management, or a related field
2+ years of experience in risk management, technology operations, or production monitoring in corporate banking/financial institutions
knowledge of corporate finance, financial modeling, credit and banking products, credit analytics, risk assessment, and transaction execution
basic understanding of credit risk management, technology platforms, and operational risk controls, particularly in the context of post-implementation processes
familiarity with modern monitoring tools, risk management frameworks, and production systems used to assess technology performance in real-time (SAS/Tableau/AI/Oracle) supported by relevant programming skills
statistical knowledge – familiar with key statistical metrics/concepts
knowledge of regulatory requirements related to credit risk, data management, and customer-facing platforms, ensuring alignment with post-implementation and monitoring processes
strong strategic thinker with the ability to anticipate production challenges and operational risks in post-implementation environments, developing robust solutions that enhance system performance
experience in problem-solving complex operational issues, leveraging cross-functional expertise, and driving long-term improvements in production systems
strong analytical skills in conducting analysis using bureau/application/customer data to identify anomalies and adverse trends

Job Responsibility

Perform the validation of all customer-facing credit risk platforms post-deployment, ensuring that they function as intended, align with business strategies, and meet regulatory requirements
development and execution of post-implementation validation frameworks, focusing on model performance, rule accuracy, and platform effectiveness across all credit risk decisioning systems
partner with risk management, IT, and operations teams to assess potential vulnerabilities, gaps, or deficiencies in system performance and address them promptly
support to establish a robust framework for ongoing production monitoring of credit risk platforms, ensuring proactive identification and resolution of system performance issues
implement real-time and batch monitoring processes that assess credit risk platforms’ operational performance, data integrity, and customer impact across various product lines
ensure timely resolution of production issues, including the identification of root causes, formulation of solutions, and collaboration with technology teams to implement necessary fixes or enhancements
ensure all customer-facing credit risk platforms perform reliably in production, minimizing any negative impact on the customer experience due to system errors, downtimes, or performance issues
support initiatives to continuously improve platform stability, reducing risk to customers and ensuring the organization’s credit risk models and rules are consistently delivering accurate decisions
engage with business stakeholders to understand customer needs and expectations, ensuring production systems evolve to meet them efficiently and effectively
ensure all post-implementation validation and production monitoring activities meet regulatory and compliance requirements, including alignment with policies related to credit risk, data usage, and customer protection

What we offer

Equal opportunity employment
support for people with disabilities
best-in-class benefits for employees to be well, live well and save well

Fulltime

Senior Credit Portfolio Risk Manager

Senior management-level position leading credit risk function for unsecured lend...

Location

Singapore , Singapore

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

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
Significant focus on unsecured lending
Proven experience in a leadership or team management role
Extensive experience in developing, testing, optimizing, and implementing credit strategies
Advanced proficiency in statistical modeling, predictive analytics, machine learning techniques, and quantitative methods for credit risk
Strong understanding of data warehousing, SQL, and experience with large datasets
Deep understanding of credit lifecycle management (origination, account management, collections), PD/LGD/EAD modeling, stress testing, and regulatory requirements
Expertise in analytical tools such as SAS, R, Python, SQL, and data visualization tools

Job Responsibility

Develop, implement, and continually refine credit risk strategies for unsecured lending products
Utilize advanced risk analytics and loss forecasting techniques to identify emerging trends and assess portfolio performance
Monitor key financial drivers and portfolio metrics to inform decision-making
Collaborate with product, marketing, finance, and operations teams to align risk strategies with business objectives
Lead the development, validation, and implementation of predictive credit risk models, scorecards, and decision engines
Oversee data management practices for credit risk
Lead, mentor, and develop a team of risk analysts and specialists
Build and maintain strong relationships with internal stakeholders across various departments
Lead the end-to-end process of developing new credit strategies
Design and execute champion/challenger tests and other experimental designs

What we offer

Extensive on-the-job training and exposure to senior leaders
Traditional learning opportunities
Chance to give back and make a positive impact through volunteerism
Resources to meet unique needs
Empowerment to make healthy decisions
Support for managing financial well-being and planning for future

Fulltime

Credit Risk Senior Associate - Retail Mortgage

N26 is looking for a Credit Risk Senior Associate to join N26's Retail Mortgage ...

Location

Germany , Berlin

Salary:

Not provided

N26

Expiration Date

Until further notice

Requirements

Bachelor's degree in finance, economics, mathematics, computer science, or a comparable quantitative field
3+ years of experience in credit risk management, particularly with a focus on retail mortgage products, data analytics, process controls, or credit risk methodology development
Good understanding of key risk indicators across obligor, collateral, and portfolio levels within the mortgage domain
Solid understanding of processes across the entire mortgage value chain
Solid regulatory knowledge of Dutch (e.g., THRK), European (e.g., EBA GL LOM), and German (MaRisk, KWG) regulations
Proven experience in building, implementing, and running credit process controls and oversight frameworks
Strong proficiency in SQL
Fluent English

Job Responsibility

Contribute significantly to the further development of N26's mortgage credit risk function
Play a key role in the continuous enhancement of N26's global mortgage governance framework, policies, and procedures
Support the further development and seamless implementation of end-to-end mortgage credit processes and criteria
Design, implement, and operate robust second-line control frameworks and tools for mortgage processes and the portfolio
Develop and maintain a resilient and accurate mortgage credit risk database
Conduct in-depth data analysis and support further development of quantitative models (PD, LGD)
Proactively run comprehensive risk analyses, including assessing the impact of macroeconomic factors on collateral values
Partner with Mortgage Business, Group Treasury, Capital Markets, Corporate Finance, Risk Controlling, Accounting, Regulatory Reporting, and Tech departments

What we offer

Competitive personal development budget
Work from home budget
Discounts to fitness & wellness memberships, language apps and public transportation
Premium subscription on your personal N26 bank account
Subscriptions for friends and family members
Additional day of annual leave for each year of service
A high degree of autonomy and access to cutting edge technologies
A relocation package with visa support for those who need it

Credit Risk Analyst

Citi continues to enhance its business control and governance framework by build...

Location

Hungary , Budapest

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Candidate should have 1-2 years of credit or related experience
Good knowledge of credit products and specific industry characteristics (manufacturing, services, banks etc.)
University Degree/Graduate Degree in Business, Finance or Economics or equivalent is a plus
English reading and speaking
Knowledge of other languages is beneficial
Strong analytical skills and ability to decompose transactions into the core risks
Good quantitative skills a must
Sound Risk and Business judgment on the full spectrum of risk issues including Operational and Franchise Risk

Job Responsibility

Review and complete CEP Credit Approval Memo packages
Analyze and assess risks in the credit relationships and formulate respective recommendations for CEP Credit risk management approval
Work closely with Credit Officers, Relationship/Product Managers and Traders / Salespeople to facilitate transaction approvals
Provide credit input to standardize credit-related documents and reporting for the CEP portfolio
Provide ad hoc project support to regional and global Risk management projects
Ensure CEP Credit Risk MCA and Controls are effective

What we offer

Access to a wide variety of learning and development programs, online course libraries and upskilling platforms, such as Udemy and Degreed
Flexible work arrangements to support colleagues’ in managing work - life balance
Continuous career progression opportunities across geographies and business lines
Inclusive and friendly corporate culture
Socially active employee communities with diverse networking opportunities
Competitive compensation package with a wide range of benefits:
Cafeteria Program
Home Office Allowance - for colleagues working in hybrid and remote work models
Paid Parental Leave Program - maternity leave and paternity leave
Private Medical Care Program and onsite medical rooms at our offices

Fulltime

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