花旗集团是机构客户的卓越银行伙伴，涵盖其跨境服务需要，亦是财富管理的全球领导者之一，以及于美国本土市场提供个人银行服务的主要银行。花旗集团在超过180个国家及地区为企业、政府、投资者、机构及个人客户提供一系列多元化的金融产品和服务。

Officer, Consumer Risk, Data Projects, Credit Analyst
工作地点：香港
职位描述：
At Citi, we get to connect millions of people across hundreds of cities and countries every day.  And we've been doing it for more than 200 years.  We do this through our unparalleled global network.  We provide a broad range of financial services and products to our clients – whether they be consumers, corporations, governments or institutions – to help them meet their biggest opportunities and face the world's toughest challenges.
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.
We’re currently looking for a high caliber professional to join our team as Officer, Consumer Risk, Data Projects, Credit Analyst- Hybrid (Internal Job Title: Credit Portfolio Analyst II - C10) based in Hong Kong.  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.  For instance:
Citi provides programs and services for your physical and mental well-being including access to telehealth options, health advocates, confidential counseling and more. Coverage varies by country.
We believe all parents deserve time to adjust to parenthood and bond with the newest members of their families. That’s why in early 2020 we began rolling out our expanded Paid Parental Leave Policy to include Citi employees around the world.
We offer our employees resources and tools to volunteer in the communities in which they live and work. In 2019, Citi employee volunteers contributed more than 1 million volunteer hours around the world.
In this role, you’re expected to:
The Credit Analyst II is an intermediate-level position responsible for credit risk management function on retail unsecured lending business, including conducting credit policy formation and reviews, portfolio monitoring  and/or risk migration actions. The overall objective of this role is to manage Citi's credit risk strategy and management in retail lending business.
In this role, you’re expected to:
The Credit Analyst II is an intermediate-level position responsible for credit risk management function on retail unsecured lending business, including conducting credit policy formation and reviews, portfolio monitoring  and/or risk migration actions. The overall objective of this role is to manage Citi's credit risk strategy and management in retail lending business.
Responsibilities:
Report to Senior Credit Risk Manager to support data project and risk analysis.
Oversight and manage the data project and make sure it is operating according to expectation
Works with large datasets and complex algorithms to solve data science challenges
Perform regular monitoring & validation on the performance of the unsecured lending portfolios
Ensure all credit processes follow company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, quality assurance, application audit
Escalate credit concerns/updates to senior risk and business managers and propose risk mitigation action to be taken by staying continuously informed of related developments/news for the portfolio and industry covered and understanding the credit process, policies and Citi's risk appetite
Assist with portfolio review preparation and conducting stress tests
Build working relationships with various teams across the bank, including central data, policy, and product teams
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
As a successful candidate, you’d ideally have the following skills and exposure:
Qualifications:
Minimum 2-3 years of experience in credit risk analysis in Cards and Unsecured Lending products
Experience in managing regulatory reporting
Proficient in handling mass data and able to interpret results with critical analysis
Consistently demonstrate clear and concise written and verbal communication
Education:
Bachelor or post-graduate degree in Business, Statistics, Data Science or other related quantitative disciplines
Self-initiative, effective communication and interpersonal skills as well as the ability to motivate others, strong sense of compliance awareness
Sound knowledge in SAS programming, data mining and MS Word/Excel/Access/Power-Point is a basic.