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Senior Credit Portfolio Risk Manager (Senior Vice President)

Job Req Id:
25910313
Location(s):
Singapore, Singapore, Singapore
Job Type:
On-Site/Resident
Posted:
Oct. 02, 2025

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 SingaporeBeing 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:

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

  • 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.

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.

Qualifications:

  • 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.

  • Financial Drivers:Solid grasp of financial statement analysis, profitability drivers, and economic factors impacting credit portfolios.

  • 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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Job Family Group:

Risk Management

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Job Family:

Portfolio Credit Risk Management

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Time Type:

Full time

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Most Relevant Skills

Analytical Thinking, Constructive Debate, Escalation Management, Industry Knowledge, Policy and Procedure, Policy and Regulation, Process Execution, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.

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Other Relevant Skills

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

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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.

If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.

View Citi’s EEO Policy Statement and the Know Your Rights poster.

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