Citibank Berhad Credit Portfolio Senior Manager

Recruiter
Citibank Berhad
Location
Kuala Lumpur, Malaysia
Salary
Competitive
Posted
14 Dec 2018
Closes
19 Dec 2018
Ref
4849405
Sector
Banking and financial services
Contract type
Permanent
Hours
Full time
Experience level
Manager
  • Primary Location: Malaysia,Wilayah Persekutuan,Kuala Lumpur
  • Education: Bachelor's Degree
  • Job Function: Risk Management
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: No
  • Job ID: 18053975


Description

Credit Portfolio Senior Manager
The primary purpose of this role is to establish, monitor and enhance the risk appetitte framework around credit cards existng customer management (ECM). The job scope covers policy and portfolio management pertaining to various ECM actions viz. Credit Limit Increase (CLI), installment loans on cards (LOP). Key objective of the role is to improve returns from these portfolio actions within established risk appetite hurdles / guardrails.
In context of overall GCB business, Cards contributes to significant share (60%) of both country revenue and EBIT. Within Cards, there are 3 main revenue streams viz. (a) Installment (LOP) interest (b) Retail purchase Interchange and (c) Revolving interest. The ECM policy and risk management strategy has a direct bearing on revenue and EBIT (a) LOP and also considerable impact to Line strategy which in turn impacts usage - thus driving components (b) and (c) to a considerable degree. Hence, this role critical and of strategic importance within GCB business.
Job Responsibilities:
  • Analyze and track portfolio performance via available and ad-hoc reports to identify and optimize portfolio risk rewards dynamics to achieve the product profitability target
  • Knowledge and familiarity with the regulatory and Global Policy requirements to ensure full compliance as well as timely implementation
  • Leverage on risk management analytical tools for testing of the boundaries of existing policies and developing monitoring mechanism
  • Track and monitor Product Program performance benchmarks
  • Manage policy changes through a robust process such as liaising with relevant stakeholders within the Bank to ensure full understanding and accurate implementation
  • Review and design new business initiatives and projects for testing prior to execution of a full policy change
  • Manage the full spectrum of the bank initiated customer offer programs
  • Providing strong support and engaging business counterpart on business strategies and processes to maintain/improve portfolio health
  • Assist to ensure effective and sound decision making in credit and risk related exceptions
  • Manage Third Party Relationship with Credit Bureau Providers


Qualifications

  • Bachelor's Degree
  • Total experience >6 years, preferably most of it in banking/financial service/analytics industry
  • Minimum 2 years holding a strong leadership role
  • Experience in a multinational bank and/or Risk Management would be an added advantage
  • Strong working knowledge and experience in the financial analysis
  • Ability to communicate effectively with senior leadership and possess good interpersonal skills
  • Self-motivated with strong commitment to quality
  • Proficiency in the English language (both verbal and written)
  • Ability to present information in a concise and precise manner to the senior management team
#LI-MY

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