Irene Chiu

Irene has worked for Citi for 32 years, 28 years in retail credit risk management. She was responsible for providing Independent Risk oversight for Citi’s retail credit portfolios across Asia Pacific, Australia, Japan and Europe, comprising of 19 countries and 20 lines of businesses, portfolio size approximately $70Bn, including residential mortgages, credit cards, unsecured installment loans, unsecured lines of credit, marginable securities backed financing and other secured lending products. Irene has through-the-cycle experience in managing retail credit portfolios through “boom and bust, and to recovery”.

Irene has started de novo retail lending businesses in China and Vietnam. For Citi's retail lending businesses under her oversight, she was the primary contact for the retail credit risk division of the U.S. regulators: The Office of the Comptroller of the Currency, The Federal Reserve Bank in New York; The Federal Deposit Insurance Corporation. She has been involved directly and indirectly through the local risk managers, in the establishment of full positive bureau in multiple countries in Asia and Australia.