AVP/Senior Associate, Specialist, Credit Program Manager, IBG 3&4 Credit

Business Function

Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure.

The SME Program Management team works closely with our business partners to manage two credit programs under IBG 3&4 by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams and other stakeholders to provide financing opportunities to our SME customers. Our team of program managers run the day-to-day operations to manage portfolio risk effectively and pursue continuous process excellence.

Responsibilities

(1) Key Accountabilities

• Adopt a dynamic risk management approach to pro-actively manage the credit risk of customers under the two lending programs on a portfolio basis.
• Lead program development/renewals and review business proposals for loan campaigns and product launches, ensuring compliance of internal and regulatory policy.
• Drive system/process enhancement to support business strategies, including support ecosystem agenda across the group.
• Manage the day-to-day program operations including generation of portfolio statistics, technical support, portfolio data quality and maintenance of CPS scorecard and CPM template and working with key stakeholders to ensure robust risk management of the program.

(2) Lead Program Refinement & Renewal

• Lead program development and renewals in close collaboration with business partners, program managers/GPA.
• Review business proposals for loan campaigns and product launches
• Establish & refine credit program parameters and monitor scorecard performance to ensure compliance of internal and regulatory policy.

(3) Proactive Credit Risk Management

• Monitor portfolio risk profile, economic/industry/competitive/regulatory developments, and evaluate portfolio performance under stress conditions.
• Monitor portfolio trends, caps and triggers, and work closely with Group SAM to review deteriorating trends and take necessary actions to mitigate identified risk on a timely basis.
• Explore and develop new portfolio dashboard which can provide better insights on the portfolio performance to facilitate management risk discussions.
• Conduct risk forum with business partners and follow up with system/process enhancement where appropriate.

(4) Drive system and process enhancement to support business strategies

• Lead scorecard/template/process design and enhancement.
• Work cohesively with business, GPA, Tech and other supporting units on system enhancements and improvement in credit operations & processes (including participating in UAT).
• Explore/support collaboration with ecosystem partners to facilitate customer acquisition and enhance credit underwriting & processes.
• Participate in workstreams with GPA and business to explore new/enhanced scorecard which may expand the scope of loan underwriting, potentially increasing our coverage to the underserved market.

(5) Manage the Day-to-Day Program operations

• Work with various stakeholders i.e., IBG 3&4, GPA, T&O on scorecard maintenance. Review PD & EL cut off and statistical tools deployed in scorecard i.e., KS, AR, Swap Set. Support the implementation, validation, and monitoring for local/credit program.
• Build and maintain designed data infrastructure to enable extraction of program statistics for risk management needs.
• Ensure timely and accurate submission of monthly reporting of portfolio performance to Regional Management as well as timely upload of up-to-date program manual/guideline to intranet for user's reference.
• Undertake SP Forecast, portfolio stress tests, strategic thematic reviews by the generation of detailed portfolio information.
• Manage portfolio data quality to support generation of performance reports.

(6) Others

• Provide credit support to CRM for approval of Program Lending cases in order to maintain stipulated credit turnaround time where necessary.
• Participate in and contribute to designated projects to improve credit processes and systems as a representative of RMG-IBG3&4 Credit, Singapore.

Requirements

• Minimum 4-5 years of working experience in financial institutions, preferably in corporate credit and credit program management and underwriting.
• Diploma or University Degree
• Have good interpersonal, oral and written communication skills.
• Possess results-driven capability to work with service partners, such as Credit Operations and Sales, to ensure a seamless process flow for credit applications.
• Display a high degree of team spirit and professionalism, and able to co-operate in a harmonious and productive manner with superiors, peers, subordinates, internal customers, and external service providers.

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We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.