Report to and managing PCL Risk team and functions in GCG Risk Management for PCL product, including credit risk policies, scorecards / models, portfolio management, loss forecasting and stress tests.
Timely escalate to and take actions to fix if there are any issues / findings on the product risk management.
Review and approve the applications / requests required from Unsecured Lending Products Risk Manager, and present to CRM and SRO if higher level of approval required
Managing the staffing and talents development for PCL Risk team to maintain a strong team from Risk to support Business growth in health.
Co-work with the other business functions, e.g. Marketing, Sales, Credit Operations and Customer Services, to improve the effectiveness and efficiency of credit cycle processes, including the loss mitigation programs.
Periodically review the Portfolio Quality MIS to monitor the credit performance of PCL product to ensure all guardrails in risk appetite framework are in compliance or remedial actions in place.
Be the risk models owner, including scoring and non-scoring, for PCL product and ensure all risk models used in compliance with Model Risk Management Polices for the model development, usage, validation and approval.
Support Independent Risk to conduct BOP, Winter and MCST CCAR exercises for the loss forecasting on unsecured lending products based upon the baseline / stress scenarios provided by BHC and FRB.
Managing EUC, QAF and MCA on the credit risk processes for PCL product to ensure there is no gap from the standards / polices or seek for the exception approval if any deviation.
With 10+ years risk management experience in consumer unsecured lending or credit cards products.
Experienced on the functions of sales / credit initiation, collections and portfolio management for consumer unsecured lending or credit cards is a plus
Numbers driven and strong concept on risk and reward for consumer lending products
Familiar with credit cycle processes, Taiwan market practices, regulations and Citigroup credit risk policies for consumer lending and credit cards
Able to taking intelligent risk with shared responsibility, without forsaking individual accountability as a Product Risk Manager.
High standards on the ethic and compliance with regulations and corporate policies, and able to escalate.
Good interpersonal skills and willing to communicate to work as partners with colleagues in other functions / departments.
Good leadership and team building, and willing to develop the talents.
Good command of both English and Chinese
Management Development Programs