Consumer Product/Portfolio Risk Analyst

Citibank Berhad
12 Aug 2017
16 Aug 2017
Contract Type
  • Primary Location: Malaysia,Wilayah Persekutuan,Kuala Lumpur
  • Other Location: Asia Pacific
  • Education: Bachelor's Degree
  • Job Function: Risk Management
  • Schedule: Full-time
  • Shift: Day Job
  • Employee Status: Regular
  • Travel Time: No
  • Job ID: 17047729


Strategic Intent
  • To support Risk Management of a consumer credit product / portfolio, by leveraging the use of analytics and MIS to manage the portfolio performance, provide inputs for appropriate acquisition and portfolio actions as well as collection strategies
  • Monitor portfolio performance and trends using analytics, MIS and other technology based tools viz SAS, SQL etc
  • Evaluate portfolio performance and provide meaningful inputs to Portfolio Risk Manager to develop appropriate actions/strategies to improve credit quality
  • Oversee the monitoring and escalation of potential problem accounts eg through the early alert process, portfolio monitoring and review processes
  • Manage Through-the-Door (TTD) and Portfolio Credit performance by providing analytical inputs to product risk managers and working closely with them on revised strategies to address areas of improvement
  • Support in-country/regional/regulatory reporting requirements by producing various periodic MIS reports and assist managers in developing and running stress testing models as per local and global regulatory requirements
  • Use of automated decision tools available to the business to drive new business / portfolio actions in a controlled manner Manage systemic controls through policy decision engines and other system platforms
  • Provide analytical input for collections to improve portfolio risk segmentation, delinquency management, recoveries and net credit losses, using applicable tools, systems and frameworks
  • Ensure strict compliance with all regulations and controls as set by the Bank, Global Risk and external regulatory authorities
  • Support business to achieve consistent satisfactory audit rating, through MIS and analytics inputs


  • Graduate, preferably in Economics, Accounting, Business Administration, Engineering, Computing or Statistics
  • Minimum of 3 years of work experience - preferably in banking / financial service / analytics industry Experience in a multinational bank and/or Risk Management would be an added advantage
  • Strong working knowledge and understanding of analytics tools, preferably in SAS / other database query programs
  • Good communication and interpersonal skills
  • Self-motivated, possess initiative and committed to quality
  • Strong team player with ability to work and think independently
  • Proficiency in the English language (both verbal and written)
  • Ability to present information in a concise and precise manner to senior management