Swinny Aurellia

• Managed Singapore Retail Unsecured retail portfolio.
• Optimized business profitability and volumes with a balanced credit quality.
• Reviewed and improved operational process and procedures and working closely with cross functional team to optimise the use of alternate data and systems.
• Ensured compliance with Group Policy and Standards, local laws, regulations and controls and procedure of the Bank.
• Performed continuous monitoring on portfolio performance and take necessary actions to ensure the quality of portfolio is within budgeted credit parameter.

• Functioned as key resource in audit execution of Retail Credit risk across the Group in Personal and Business Banking segment. Delivered the audit planning, fieldwork, and reporting in line with audit objectives, quality standards, approved resourcing and timelines.
• Performed risk assessments of Retail Banking Products audit entities to deliver the annual audit plan.
• Supported Internal audit teams by providing retail risk knowledge and expertise on ongoing audits.

• Managed Indonesia Retail Unsecured (Credit Card and personal loan) and Secured (Mortgage and Wealth Management lending) Retail lending portfolio.

• Managed Singapore Retail Unsecured lending portfolio from 2018 to 2019.
• Managed Singapore Business Banking Working Capital portfolio in 2017.
• Managed Singapore Retail Mortgage portfolio from 2014 to 2016.

• Managed Indonesia Retail Unsecured and Wealth management lending portfolio.

• Led the CITI ULTIMA re-launch project. and the development of prepaid card.

• Led loyalty team to reach the business objectives by providing the loyalty strategy.
• Developed the product proposition of Platinum Credit Cards.

Created Activation, Spending, Risk Based Pricing and Anti Attrition Programs for Credit Cards

2 years program with 6-9 months of assignment in different functions (1) Credit Risk, (2) Financial Planning and Analysis and (3) CRM program.