Investment Banking Associate - C12 jobs at Citi Group in Singapore, Singapore

Comprehensive Capital Analysis Review (CCAR) is an annual regulatory submission to US Federal Reserve Board (FRB). It is used to ensure that institutions have robust, forward-looking capital planning processes that account for their unique risks and sufficient capital to continue operations throughout times of economic and financial stress. As part of CCAR, the Federal Reserve evaluates institutions' capital adequacy, internal capital adequacy assessment processes, and their plans to make capital distributions, such as dividend payments or stock repurchases.

Responsibilities:

• Development of econometric forecasting models for key Balance sheet and income statement line items for capital and business planning purposes. This includes the calculation of Net Interest Income (“NII”), Non-Interest Revenue (“NIR”), Interest Rate Exposure (“IRE”), and other associated interest rate risk metrics.
• Developing Champion and Challenger models using different time series forecasting methodologies to comply with SR 15-18 guidance.
• Development of Benchmark models using Industry data series to meet regulatory requirements
• Manage the model life-cycle from first-line of defense perspective and participate in Segmentation, Risk Identification, overlay discussions with Businesses and Finance teams.
• Responsible for writing model development documentation and partner with Model Risk Management (MRM) to address their feedback.
• Contribute to stakeholder conversations with Businesses, Finance, Treasury and Risk to seek their sign-offs on Champion models.

Qualifications / skill sets:

• 2-4 years of relevant statistical /business experience in financial services
• Strong understanding of statistical techniques such as Ordinary Least Square regression (OLS) , Fixed-effect Panel Regression, Error Correction Models, Seemingly Unrelated regression and Cointegration .
• Understanding of Machine learning algorithms will be a plus
• Hands-on experience in programming and modeling using SAS, Python and R is preferred.
• Follow a culture of accountability and strict quality control of the data integrity and modeling process
• Ability to build key relationships with finance and business teams
• Must be able to present technical matters in a way that is meaningful to the audience

Education:

• Masters / PhD in quantitative discipline such as Statistics, Economics or related discipline

Time Type:

Responsibilities:

• Underwriting Lifecycle Transformation:

  • Lead the design and implementation of a future-state underwriting model tailored to large and mid market corporate clients, across multiple sectors and geo

  • Enhance the full lifecycle – from client intake, risk evaluation, structuring, and approvals to post decisioning monitoring by embedding policy, data and technology upgrades

  • Identify friction points and reimagine workflows to improve speed to decision, risk precision and client experience

• Policy Modernization and Risk Frameworks

  • Review and enhance credit policies and decisioning models to reflect the complexity of corporate structures, intercompany risk and multi jurisdictional credit obligations

  • Standardize underwriting methodologies where appropriate while enabling adaptations for sector specific nuances

  • Drive Alignment with broader credit risk strategy, ensuring scalable governance and transparency decision-making processes

• Technology & Change Management

  • Oversee the design and delivery of underwriting technology solutions, including decisioning engines, workflow tools, data integration and monitoring platforms

  • Lead the full software development lifecycle in partnership with engineering, data and product teams to build adaptable, modular solutions

  • Champion automation, AI-driven insights and digitization to reduce manual effort, enhance analytics and improve auditability

• Go-To-Market Readiness

  • Define and execute go-to-market strategies for new credit risk technology solutions, including client and user onboarding plans

  • Lead local implementation efforts, ensuring regulatory teams are trained and prepared for new tools and process changes

  • Monitor adoption and effectiveness of new technology solutions, making data driven improvements as needed

• Operational Stability & Production Oversight

  • Ensure ongoing performance and stability of underwriting operations and credit systems

  • Lead production support to manage system incidents, ensure risk controls and maintain day to day operational continuity

  • Implement metrics, dashboards and escalation protocols to monitor effectiveness and rapidly address merging risks or bottlenecks

Qualifications

• 8+ Years of experience in corporate credit, underwriting, risk strategy, product management, and/or transformation within commercial or institutional banking

• Strong working knowledge of credit policy frameworks

• Proven track record of leading technology driven credit risk management initiatives, including experience with SDLC and software implementation

• Expertise in change management and the ability to drive transformation in complex, highly regulated environment

• Strong analytical skills with the ability to synthesize complex regulatory requirements intro actionable technology and process solutions

• Exceptional communication skills with the ability to influence senior stakeholders, risk managers, and cross-functional teams

• Experience managing global teams and working across multiple regulatory jurisdictions

• A mindset for innovation and disruption constantly seeking new ways to optimize compliance while maintaining business agility

• 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 well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Education:

• Bachelor’s/University degree, Master’s degree preferred

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Anticipated Posting Close Date:

Credit Portfolio Senior Analystbased in

Responsibilities:

• This role will serve as the key point of contact for all LV related queries across lending products and system handling of limits, concentration, and caps. The candidate needs to possess a keen interest in investments and have a strong understanding of various asset class i.e. Equities, Fixed Income, Structured Notes, Mutual Funds, derivatives etc. He/She must be able to value-add by providing strategic inputs on market dynamics, macroeconomics trend and knowledge of Competitors’ stance.
• Portfolio Management: Proactively monitors the Investment Portfolio for Asia South Wealth Business (covering margin lending and Insurance Premium Financing), identifying emerging risks, concentration exposures, and opportunities for early intervention. The role involves developing and implementing risk management frameworks, evaluating the health quality of our credit portfolio and ensuring adherence to regulatory requirements and internal credit policies.
• Prepare and enhance Portfolio analytics for risk differentiated reviews and ensuring continual compliance with Citi Credit Policy/Regulations/Product Programs such as reviewing portfolio collateral concentration, liquidity, and limit excess.
• Have a keen eye for details. Able to bring about portfolio optimization with good understanding of the mechanics of Margin Lending and regulations and able to assimilate and apply Citi Credit Policy/Regulations/Product Programs into daily processes and discussions with stakeholders.
• Work with Investment Lending Risk Head to evaluate, analyze and recommend policy decisions related to credit and collateral acceptance of marketable securities.
• Business Engagement: Collaborate with Credit Operations, Operations and Technology functions, product teams and front office to structure credit solutions that meet client needs while maintaining an independent Risk stance with strong risk oversight.
• Risk Framework Enhancement: Contribute to the refinement of in-country credit policies, risk appetite statements and ensuring alignment with global guidance and regulatory standards (e.g., Basel III/IV, IFRS 9).
• Continuously identify process improvements and efficiencies to support business unit goals through process automation, dissecting issues and making sound recommendations within our Risk framework.
• Provide support to the risk managers on strategic initiatives and related enhancements.
• Appropriately assess risk when business decisions are made, demonstrating 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.
• Support risk-reward balanced and profitable asset growth, in line with Asia South Wealth Strategic Priorities, and optimize productivity/competitiveness by continuously working with stakeholders to roll out new Product OR improve our existing offering for leverage.
• Mentor and guide junior credit analysts and other team members, fostering a culture of excellence and continuous learning.

Qualifications

• 5-8 years of relevant experience
• Bachelor's degree/University degree or equivalent experience
• Excellent working knowledge of financial markets including investments, FX, and margin lending experience is a key differentiator
• Able to rationalize logically and consistently demonstrate clear and concise written and verbal communication
• Strong team player - You should be able to work effectively individually as well as effectively network with coworker from cross functional and multitask in a fast-paced environment
• Good attitude, willingness to learn and possessing high integrity
• Ability to work under pressure, prioritize to meet deadlines.
• Highly proficient in MS Office - (Excel, Access, PowerPoint)

Time Type:

Responsibilities:

• Administer branch sales, service, control and management of human resources
• Manage staff to ensure all employees are clear on work priorities and activities, and maintain high levels of customer service
• Execute planning and budgeting activities to ensure branch annual goals are met
• Conduct daily huddles and communicate company goals, business strategies, new initiatives, and expectations to all staff
• Monitor performance to ensure branch metrics are met and appropriate action plans are in place to enhance customer satisfaction
• Oversee branch controls and compliance, to effectively manage risk and ensure positive internal audit ratings
• Identify training needs, identify career progression opportunities and partner with staff to create professional development plans as well as perform supervisory duties including performance evaluations, compensation, hiring, disciplinary actions and terminations
• Lead the recruitment/selection of staff across sales and operations roles within the branch and onboarding
• 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 well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards.

Qualifications:

• 5-8 years of relevant experience required
• Previous experience in banking or financial industry preferred
• Proven experience managing teams
• Consistently demonstrates clear and concise written and verbal communication skills
• Consistently demonstrates analytic skills

Education:

• Bachelor's Degree/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Anticipated Posting Close Date:

As a First Line of Defense, you will need to build trusted relationships with key stakeholders including Complaints Management Team, Frontline staff, process owners, control colleagues as well as Second and Third Line partners.

Responsibilities:

• Regular coordination with stakeholders providing inputs for internal and regulatory scorecards such as surveillance for consolidation of score card results and grades.
• Ensure accuracy and completeness of grading and scorecard based on consolidated inputs prior to submission.
• Prepare regulatory reporting templates, scorecard and trend analyses for senior management and board of directors on relevant governance forums or meetings.
• End-to-end handling of customer surveys, including conduct of the survey, review of responses for closure and/or corrective actions and prepare management updates.
• Supporting review and controls development for new Investment and Insurance related new products.
• Provide advice and address queries in relating to Investment and Insurance related control activities from frontline staff, regional and external stakeholders in capacity as Subject Matter Expert.
• Support reviews on Escalation and Issue Management for the Client Advisory team.
• Support the coordination and preparation for relevant internal/external audits, compliance and regulatory reviews with internal stakeholders and reviewers.
• Review and investigate outliers for relevant Digital Monitoring Tools.
• Support, prepare and coordinate relevant annual and ad-hoc regulatory reporting to the MAS.
• Support Cross Border Activity Policy related controls implementation and ongoing monitoring activities.

Qualifications:

• At least 5 years of work experience in a control / compliance / audit / investment product role in a financial institution.
• Strong analytical and problem solving skills
• Knowledgeable about financial products, financial advisory, legal and regulatory environment.
• Excellent presentation and communication skills in English, both oral and written, with the ability to articulate and present advice and address queries to stakeholders effectively and concisely.
• Solid organizational skills including attention to detail and multi-tasking skills
• Strong working knowledge of Microsoft Office.
• Ability to organize and prioritize multiple deliverables while working with minimal supervision in a large, global corporate environment
• Resourceful, meticulous and detail oriented
• Ability to work independently, interface and execute with a sense of urgency and to deliver on tasks effectively and efficiently within timelines.
• Effective team player and ability to work with different stakeholders with strong communications and confidently.
• Broad-minded, with a capacity to learn, apply knowledge and bring improvement to the organization.

Education:

Bachelor's/University degree or equivalent experience

Time Type:

Requires attention to detail and applies analytical thinking when making judgments and recommendations based on the analysis of information to ensure all parameters maintenance are submitted and maintained accurately. Additionally, to ensure proper documentation such as UAT signoff must be given for all critical parameter requests and requestors must provide all necessary approvals and attestations to adhere to Wealth Risk & Controls’ Minimum Control Requirements for Parameter Update and/or Guidelines for of all Wealth Client Communication and Marketing Materials.

Furthermore, the role requires extensive collaboration with stakeholders, including vendor such as Toppan and Datapost, product managers, AML compliance, operations units and technology in relation to operations\business initiatives, process controls and system enhancements.

Key responsibilities include:

• Serve as Subject Matter Expert (SME) for banking systems covering critical systems like Liabilities (IMPACS, RC+, Dynamic Pricing, Transaction Limit, Statement/Advice, Debit/ATM card) and Single Demographics (RM).
• Perform due diligence check on parameter maintenance and parameter maintenance is executed with strong controls, adhere to Wealth Risk & Controls’ Minimum Control Requirements for Parameter Update and/or Guidelines for of all Wealth Client Communication and Marketing Materials.
• Perform investigations relating to customer issues arising from functions supported.
• Identifying process improvements/gaps to increase operation efficiency and control effectiveness.
• Participate in various system enhancements, COB testing, audits, MCA and projects testing & implementation.
• Work towards achieving optimum productivity and accuracy.

Qualifications:

• 0-2 years relevant experience

Education:

• Bachelor’s/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Time Type:

The Data Analytics Senior Wealth Analyst will be a champion connecting the dots across client’s wealth needs, behavioural signals and portfolio understanding. The role holder will play a crucial role by generating insights which help Citi Wealth enhance client relationships, optimize investment strategies and improve operational efficiencies. Job requires mining large datasets using a wide variety of analytical and data science techniques to uncover insights and produce recommendations. Work as a thought partner with lines of business, influencing outcomes often without direct control.

Key Responsibilities:

• Ability to link analytical techniques and framework to business KPI’s, customer metrics and customer experience.
• Work closely with partner business functions viz., investment advisory, business performance management, investment solutions, segment, digital growth, control & operations teams to execute on growth strategy.
• Lead and drive campaign analytics initiatives to track, measure and optimize outcomes for customers and Citi Wealth
• Partner with offshore team to launch campaigns on time across various digital and offline channels ensuring optimal quality. Build a robust tracking strategy with regular updates to program managers.
• Drive data driven digital initiatives to perform digital salvage & funnel optimization on key digital journeys, support the launch of triggers as part of mobile engagement strategy, to come up withpersonalized/targetedoffers and perform lead optimization to drive digital acquisition strategy.
• Generate and distribute personalized data insights, in a timely fashion and at scale, enabling client facing teams deliver relevant wealth or service advisory
• Appropriately assess risk when business decisions are made, demonstrating 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.

Qualifications:

• 5+ years of experience with exposure to Financial Services, Consulting, Fintech / Technology with minimum 3 years of data analytics experience.
• Experience analyzing large datasets; applying mathematical, statistical and quantitative analysis techniques to perform complex analyses and data mining.
• Proficiency in programming is essential. Knowledge of Python / R / SQL is a plus.
• 2+ years’ experience and expertise in Business Intelligence, Digital Analytics, Customer / Product Analytics using a variety of Big Data and/or Analytics, Predictive modeling and datamanipulation/extractionfrom huge / complex databases using SAS / SQL/ R/ Python Hadoop is highly preferred.
• Experience in digital analytics using Adobe tools/platform like Adobe Marketing Cloud including AA, AEM, Adobe Target, Adobe Tag Manager is desired.
• Ability to develop dashboards using visualization tools like Tableau is highly preferred.

Education:

• Bachelors/University degree, preferably related to Data & Analytics/ Computer Science/Math & Statistics

Personal Skills:

• Demonstrated passion for numbers, strategic planning skills, financial products / emerging big data technology and how they will impact the consumer experience
• Curious and Self-Motivated
• Strong Communication (both written and verbal), organizational skill, documentation and power point skill in order to make visually impactful presentation / newsletter.
• Attention to detail is paramount.
• Perform in a high-energy fast paced environment with tight deadlines.
• Team player and highly collaborative is a must.
• Have a ‘Can do’ and ‘Get it done’ attitude – do whatever necessary and take full ownership of delivery.

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.

Time Type: