AVP, Unsecured Credit Policy and Analytics, Portfolio Management, Consumer Banking

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.

Job Purpose

• Support sound credit risk management and achieve optimal level of risk-reward balance for CBG and WM portfolios
• Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with internal controls and regulatory standards
• Enable efficient data management for sound credit risk management & reporting, in order to help the Bank achieve optimal level of risk-reward balance for CBG and WM portfolios.
• Drive Special Projects for the Reporting Team, using advanced technology and methodologies.

Responsibilities

• Perform portfolio analysis, monitor portfolio performance, and proactively manage emerging risks due to macro-economic and regulatory changes including management and regulatory reporting and commentary on portfolio performance and key trends
• Serve as an in-house specialist in ADA data management platform for credit risk monitoring & reporting. Work closely with internal RMR & Business stake holders to formulate process of data management and governance on these Reports generation.
• Lead and Drive Regional- and Country- Credit Risk Projects pertaining to SAS Exit (post cutover), Dashboarding (via QlikSense, Tableau), and other ongoing key projects.
• Engage proactively with stakeholders from Business, Business Analytics, Credit Strategy, Credit Approval, Technology, Operations etc for supporting Credit Digitalisation projects
• Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
• Run and produce MIS for reporting on risk exposures and metrics to enable informed and strategic decision-making.
• Conduct portfolio stress testing to establish portfolio risk tolerance.
• Apply analytics and data mining techniques using credit data and alternative data sources to monitor portfolio performances based on established portfolio triggers
• Present MIS & data in required formats which are visual, universally understandable or easy to interpret (e.g. dashboards).
• Analyse portfolio performance to assess risks and opportunities to maximize product profitability.
• Work with Collections Strategy and Reporting Teams to streamline existing processes.
• Conduct key regular and ad-hoc risk reporting & portfolio stress-testing to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
• Develop, execute and maintain data management and governance process in RMR.
• Work with MOT & Regional Teams to bring in readily extractable data and in the desired format for RMR usage.
• Identify opportunities/ gaps to improve data quality and automate existing reporting processes.
• Project Management and UAT Support for Data-related, Dashboarding and Digitalisation Projects.

Requirements

• At least 7-8 years of relevant experience in financial sector, with hands-on technical know-how and data projects experience
• Relevant working experience in credit risk monitoring, reporting, statistics, data analytics and/ or project management.
• Degree holder, preferably in risk management/ quantitative discipline
• Knowledge of Python, SAS and/or SQL programming with strong command of Microsoft Office (Word, Excel, Powerpoint & Access).
• Good understanding and knowledge of credit cycle management in a consumer credit environment is a plus.
• Good inter-personal, communication & writing skills.
• Meticulous with strong analytical and problem-solving skills.
• Seek to understand stakeholder's point of view and find win-win solution.
• Motivated and self-driven Team Player.

Apply Now

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