We are a centrally located boutique recruitment firm experiencing strong growth. As the company scales, we are looking to bring on a group of Management Associate (Corporate/ Business) who can help support us through the next phase of the growth and development roadmap.

Job Highlights:

• Start-up environment, welcoming workplace culture
• Junior/ Entry (No experience required - Training Provided)
• Career growth and development opportunities
• Convenient location (walking distance to Tanjong Pagar MRT station)

Job Duties:

• This role will gain hands-on experience and knowledge of all areas of the business by being assigned to different departments, before being placed in a suitable role permanently.
• The purpose of the program is to provide the employee with a comprehensive understanding of the business.
• To participate in business negotiations and building of relationships with core clients and vendors.
• Assist the directors with the execution on various key business decisions.
• High-performing individuals can take a fast-track route to a leadership position.
• There is a possibility to be involved with regional growth or other businesses within the same group.
• Other ad-hoc duties apply

Description / Requirements:

• Minimum Degree in Business Administration of Management
• Good communication and interpersonal skills
• Excellent time management and organizational skills
• The potential candidate must be motivated to stay ahead by keeping up with the latest technological advancements and market trends.

Interested candidates please email your resume to [email protected] / [email protected]

We regret that only the shortlisted candidates will be notified.

EA License No.: 19C9682

Responsibilities:

• Audit Execution: Plan, perform, and lead internal audits focused on Change Transformation, covering project governance, Agile/Classic delivery, financial/resource management, and Ways of Working (WOW).
• Complex Audits: Handle high-risk, multi-location audits and collaborate with Group and Country stakeholders to address key concerns effectively.
• Reporting & Recommendations: Deliver clear, actionable, and value-added audit reports with recommendations to improve Change Management processes.
• Advisory & Knowledge Sharing: Provide guidance on Change Management to audit teams, assist in process standardization, and document risks, controls, and test procedures.
• Risk Assessment & Tracking: Conduct risk assessments, monitor key Change-related risks, and track audit issues raised by GIA, regulators, or monitors.
• Regulatory Compliance: Stay updated on laws, regulations, and emerging risks, ensuring adherence to the Group’s regulatory and business standards.
• Stakeholder Collaboration: Build strong working relationships with key business leaders, audit teams, and stakeholders to facilitate integrated audit work and sound recommendations.

Requirements:

• Experience & Knowledge: 5+ years in audit or Change/Project Management (preferably in banking/financial services), with expertise in Agile concepts and risk-based methodologies.
• Education & Certifications: Bachelor’s degree and professional certifications like CIA, CISA, PMP, or Agile Scrum Master are preferred.
• Skills: Strong analytical, problem-solving, and communication skills, with the ability to simplify complex technical issues for stakeholders.
• Interpersonal Abilities: Builds effective relationships with audit teams and business leaders, with a proactive, self-motivated approach.

Bridal Boutique Operations Executive

• 5 Working Days, 9am-6pm, commit on weekend, 2 off per week
• Basic Salary: $2500 - $5000 + Commission
• Location: City Hall

Summary: Serve & assist brides to dress in different of bridal, communicating and managing digital marketing on Instagram to reach more audiences and targeted customers. Must comfortable to work on weekend based on working scheduled.

JOB SCOPES

1) Taking care of the bridal boutique for operation and marketing.
2) Conceive and develop marketing strategies, Handling of social media in Facebook, telegram, tiktok, Instagram and so on.
3) Attending to customer enquiries and assist in gown fitting
4) Proactively introduce gowns, accessories, photography and video packages
5) Organize marketing campaigns, related workshops and fashion runway
Shows
6) manage appointed supplier of gown & accessories , monitoring production of gowns.
7) Maintain gown & accessories Inventory records
8)Manage Sales enquires, issuing Sales Tax Invoice to clients, monitor CGS/Pricing for gowns and create packages.
9) Liaise with tailor for gown alteration schedules
10) Coordinate with stylists, models, influences and celebrities for Marketing projects
11) Make Monthly, Yearly sales report and presentation materials.

12) Coordinate with team of wedding planners
13) Other ad-hoc related work which assigned by the management, from time to
time.

Lee Wan Ling | Reg No: R23116154

THE SUPREME HR ADVISORY PTE LTD | EA No: 14C7279

• Position: Bridal Boutique Social Media & Operations Executive
• 5 Working Days, 9am-6pm,
• Require Committing on Weekend, 2 Off Per Week
• Basic Salary: $2,500 - $3,500 + Commission + AWS + VB
• Location: City Hall, Singapore

Summary: Serve & assist brides to dress in different of bridal, communicating and managing digital marketing on Instagram & Tiktok to reach more audiences and targeted customers. Candidate must comfortable to work on weekend based on schedule.

Requirements:

• Must experience in handling social media platform like Instagram or Tiktok.
• Must willing to work 5 days per week include weekend in wedding / event industry.

Job Scopes:

• Taking care of the bridal boutique for operation and marketing.
• Conceive and develop marketing strategies, Handling of social media in Facebook, telegram, tiktok, Instagram and so on.
• Attending to customer enquiries and assist in gown fitting
• Proactively introduce gowns, accessories, photography and video packages
• Organize marketing campaigns, related workshops and fashion runway shows
• Manage appointed supplier of gown & accessories , monitoring production of gowns.
• Maintain gown & accessories Inventory records
• Manage Sales enquires, issuing Sales Tax Invoice to clients, monitor CGS/Pricing for gowns and create packages.
• Liaise with tailor for gown alteration schedules
• Coordinate with stylists, models, influences and celebrities for Marketing projects
• Make Monthly, Yearly sales report and presentation materials.
• Coordinate with team of wedding planners
• Other ad-hoc related work which assigned by the management, from time to time.

#SCR-carson-cheong

⭕ Cheong Kar Chun ⭕ Team Manager ⭕ R1980386

⭕ The Supreme HR Advisory ⭕ 14C7279

Grounded in a talent-centric mindset, Maker Lab is a marketing agency designed to build decentralised technology-led agency teams, rooted in collaboration with clients from the ground up. Maker Lab’s cross-functional teams of multidisciplinary specialists are embedded into client teams across digital marketing competencies — from measurement & analytics to content production.

Social Media & Content Specialist

As the Social Media & Content Specialist, you'll be working with one of our clients - one of the largest technology companies in the world and helping them with growing their social media credentials across different platforms and target audiences.

You will help build and manage the social media strategies, campaigns and content marketing on an ongoing basis. You will work closely with the APAC Marketing teams when designing and delivering effective  social media marketing campaigns and evergreen rollouts - from strategy, ideation, assets creation and development, execution, day-to-day operations, community management to overall project management. You will work closely with cross functional teams and manage relationships with internal and external partners to move projects towards a common business and marketing goal. You will also ensure relevant content analysis is done to reach goals effectively, helping to influence future decisions. 

As a social media and content specialist, you will wear many hats - a marketer, a project manager and a community manager - thus, the ability to pivot quickly and effectively is critical to this role. We’re looking for someone who is passionate about technology, understands what is trending currently, well-versed in social media management and has strong content and copywriting skills. 

Role:

• Build and manage the content strategy roadmap, operations, optimisation and growth of the brand’s social campaigns and evergreen content across APAC 
• Track and analyse performance to craft actionable insights and provide strategic business recommendations 
• Keep up to date with content-related digital and social best practices, and industry trends to identify opportunities for engagement 
• Build and drive new content ideas to meet social media targets and objectives, with effective presentation of ideas to internal stakeholders across countries and levels 
• Manage agency partners to develop content assets, communicate strategic priorities, and oversee community management

You:

• Degree in Business, Communications, Marketing preferred, or equivalent industry experience, ideally in the technology, creative marketing or social media agencies
• 5+ years of experience in Social Media Strategy and Marketing.
• A passion for the technology, video sharing ecosystem, digital culture and current online social trends
• A strategic and creative thinker who is able to navigate around an always-on social landscape and roll with the changes in a dynamic environment
• Experience in effectively communicating and influencing business stakeholders across countries in APAC 
• Proven track record of developing sound digital strategies and running innovative campaigns that meet target goals
• Excellent analytical skills to measure success and inform future content and digital initiatives, experience with social media analytics platforms (eg. Sprinklr) preferred 
• Ability to prioritise between short-term demands and long-term needs
• Solid project management experience and commitment to quality and attention to detail 
• Experience working with creative agencies and internal teams to drive media execution
• Passionate about working as part of a larger team to deliver on a common goal
• Exceptional verbal and written English communications and presentations skills and, ideally, fluent in another Asian language to support with the projects spanning across JAPAC.

Please note: due to the high volume of applications, only successful candidates will be contacted with a follow-up introduction email. By submitting your application, you consent to the collection, use and disclosure of your data by the Maker Lab team for the purposes of your application. Where your application contains personal data of third parties, you confirm that you have obtained all necessary consents to provide the Maker Lab team with such personal data and that we may collect, use and/or disclose such data in accordance with the Personal Data Protection Act 2012. If you do not receive an email from Maker Lab, your application has been unsuccessful this time around. Look out for future roles!

Assist Head of Department – Compliance on the following:

AML/CFT compliance

• To monitor AML/CFT Compliance
• To conduct the half yearly audit and liaise with HODs on regular basis to regularise the screening process
• Conduct the New Joiners Training programme quarterly. To do a refresher training for all existing employees along with New Joiners. Conduct one training session for Agents
• To file the Suspicious Transactions with SPF and report to MAS
• Identify the sanctioned entities from the emails received from various regulatory authority and send to the respective departments
• To read through the regulations/guidelines, analyse the existing policy, and liaise with other insurance company AML professionals to get the latest update and modify the policy accordingly
• To identify the EDD cases and work with respective departments to ensure the compliance
• To work with IT department and Lexis Nexis and identify the areas of improvement and solutions for existing issues

PDPA, IRAS, GIA, Companies Act and MAS Compliance

• To follow up with necessary departments, Company secretary and comply with all regulations
• To make a check list of all data submissions (returns & surveys) and monitor them meticulously

S&P Annual credit rating analysis: To collate and ensure delivery of whole data requirement to S&P on time for S&P Annual credit rating analysis. Prepare presentations to S&P team.

• To work with the CRO on the Enterprise Risk Management.
• Any other jobs relating to regulatory requirements

Requirement:

• Degree/Diploma/Insurance qualification
• At least 5 years of relevant experience.
• Familiar with local market mechanism and practices
• Good working knowledge of underwriting methodology
• Demonstrated sound judgement and initiative in working within underwriting guidelines
• Ability to develop and foster relationships within and outside the company and interact effectively with multiple stakeholders
• Dynamic, organized and possess good written and oral communication skills
• Ability to work independently and collaboratively, think critically, and problem-solve.
• Singaporeans and PR only

• Location: Penjuru Lane
• Salary: $5,500 - $6,500
• Working days: Monday - Friday
• Working hours: 8:30am – 5.30pm

Responsibilities

Transport Team, Drivers, and Supply Team Management & Development

• Lead and manage the transport team, drivers, and supply team, promoting a positive work environment and high performance.
• Develop a staff performance matrix to set performance expectations and goals and conduct regular reviews, provide training to improve skills and ensure adherence to operating procedure, safety, and operational standards.
• Conduct regular department meeting with Transport planner, Drivers, and Supply team to understand challenges face and resolve them
• Recruit and onboard new team members as needed to support operational need

Fleet and Route Management:

• Oversee the scheduling, dispatch, and routing of the transportation fleet to optimize delivery times and reduce fuel costs and maintain fuel consumption and CO2 emissions record
• Monitor fleet utilization and recommend adjustments to maximize efficiency.
• Analyse routes and delivery patterns to identify issue and opportunities for planning improvement.
• To oversee the local and cross border deployment.

Safety & Compliance:

• Ensure compliance with all transportation regulations, including vehicle maintenance, safety inspections, and driver and supply assistant hours, working with relevant team to align process.
• Develop and implement safety protocols to reduce accidents and ensure driver and supply team well-being.
• Conduct regular safety audits and site visit to develop training plan and inspections provide training on best practices, and address any non-compliance issues.
• Manage and handle operational incident and reporting process to provide preventive action and implementing the action proposed.

Budgeting & Cost Management:

• Manage the transportation budget, focusing on cost control and efficient use of resources.
• Track and report on transportation expenses, including fuel, maintenance, and labour costs.
• Identify and implement cost-saving initiatives without compromising service quality.

Customer Service & Collaboration:

• Collaborate with the customer service team to address any delivery issues and ensure transport team met customer requirements, ensuring customer satisfaction.
• Working closely with customer service manager on escalated customer inquiries regarding transportation and delivery.
• Work closely with other departments to coordinate delivery schedules and resolve any logistical challenges.

Performance Monitoring & Reporting

• Establish KPIs on the all above for transport operations, including delivery times, on-time performance, fuel efficiency and staffs performance.
• Monitor and analyse performance metrics, preparing regular reports to top management on the progress, performance with mitigation and improvement plan
• Use data to identify areas for improvement and implement changes to drive better results.

Job Requirements

• 5+ years of experience in transportation operations, logistics, or a similar role, with proven experience managing a team.
• Strong understanding of fleet management, route optimization, and safety regulations.
• Proficiency in transportation management software (e.g., HMS, TMS, GPS tracking) and Microsoft Office Suite.

Interested applicants can email your CV to [email protected] or whatsapp to +65 89249206

The Supreme HR Advisory Pte. Ltd || 14C7279

Chua Jie Ying (Cai Jie Ying), Evelynn || EA Personnel License R24120580

Who we are

AIA Group Limited (“AIA”) and Discovery Group Limited (“Discovery”) have agreed to establish a digital health technology and integrated solutions business (“Amplify”) that aims to transform how payors, private hospitals, corporates and public healthcare systems deliver health and wellness for patients and communities across Asia.

Amplify brings together the best of partners through a combination of Discovery’s globally proven healthcare technology, intellectual property and expertise and AIA’s brand, established market position, distribution assets and decades of well-established leadership and execution capabilities.

Initially focused on serving AIA businesses to help increase new business value and deliver financial benefits, Amplify will over time also serve and partner with other key healthcare system participants including private hospitals, corporates, public healthcare system providers and pharmaceutical and MedTech companies. Amplify will create value and deliver better outcomes for stakeholders across the healthcare value chain:

• Innovative private health insurance propositions

• Medical cost optimisation and improved quality of care through expertise in case, disease, payment and network management

• Claims and core operations process transformation and automation

• Value-based provider network management through incentives aligned around cost-effective and efficient care

• Digital engagement through wellness programmes and online portals

• Data management and analytics for ongoing value generation

Our Culture and Values

At Amplify Health, we believe in fostering a culture that embodies the spirit of Courageous Entrepreneurs. We are passionate and innovative individuals who continuously strive to push boundaries and think outside the box. We understand that calculated risks are essential for driving progress, and we view failures as valuable opportunities to learn and grow.

As Outstanding People, collaboration, learning, and growth are at the core of our values. We trust and rely on each other, working together as a unified team to achieve our goals. When success comes our way, we celebrate it as a collective achievement, and we are committed to improving and excelling together.

We firmly believe in the mantra of Discuss, Decide, Do. Listening is fundamental in our decision-making process, and we act promptly, ensuring accountability in everything we do. Simplicity is the key to our efficiency, and we get things done quickly and effectively while being guided by facts and understanding.

At the heart of our pursuits lies a Lasting Impact. We prioritize the needs of our customers, and we are crystal clear about the problems we are solving for them. Progress is our north star, and while we strive for excellence, we acknowledge that perfection is a journey, and we remain focused on delivering excellent products that make a tangible difference.

If you are a passionate and innovative individual who thrives in a collaborative environment, where courage is celebrated, and customer focus is paramount, we invite you to join our team. Together, we will shape the future with our unwavering commitment to excellence and the determination to make a lasting impact in the industry.

What you will do

Responsible for driving claims management initiatives and impact between client insurer and hospital providers.

How you would make a difference

· identify highest areas of claims management opportunities in provider space

· design initiatives or agreements needed to capture impact

· work on the ground with client provider management team to implement these

· define reporting analytics needed to track value and impact of provider change

· create a path to value driven funding models with client team

· identify operational gaps and solutions for implementation of new provider changes that can help capture savings impact

· draft negotiation documents and review existing agreements

· guide and prioritise with client leadership to maintain traction throughout the year on large opportunity areas.

What you need to be successful

· Bachelor or master’s degree

· Clinical background as a practicing doctor is highly valued

· At least 7-10 years of healthcare domain experience in fields such as health insurance, healthcare consulting, or hospital management roles ideally in Singapore or Asia markets such as Malaysia, Thailand, Philippines or Hong Kong. We remain open to global experience if very relevant.

· Demonstrated ability to guide and influence diverse groups of professionals that have expertise in different domains and at times conflicting agendas

· Solid understanding of the healthcare ecosystem in Singapore, within the context of Asia and its forward-looking trends

· An analytical and data-led mind is key with pragmatic solutioning within available resources

· Ability to craft concise and informative documents to aid debate, decision making and negotiations.

A3 Capital is one of Singapore’s leading real estate investment platform specialists processing top-tier origination and execution capabilities. We are offering the opportunity for the successful candidate to work on key aspects of an emerging Southeast Asia-focused data centre fund. This role offers a unique opportunity for holistic development, with exposure to various functions and mentorship from senior professionals with decades of experience.

Position Overview:

As an Investment/Asset Management Analyst, you will support the development and execution of our business plan. Your role will involve financial modeling, reporting, market analysis, and stakeholder management, contributing to the successful execution and performance optimization of our investment projects.

Key Responsibilities:

· Develop and maintain financial models at both the individual asset and portfolio levels.

· Assist in preparation of presentation materials (including pitch decks, investment memos for internal review and external circulation).

· Collaborate with functional teams on reporting, budgeting, forecasting, and strategic initiatives.

· Manage relationships with stakeholders and external consultants to ensure smooth execution of business plans.

· Conduct research and analysis of real estate markets in the APAC region to identify trends and support investment strategies.

· Perform other ad-hoc tasks as needed.

Required Qualifications:

· Proficient in financial modelling and analysis, with advanced Excel & Powerpoint skills.

· Meticulous attention to detail and resourcefulness.

· Ability to work independently and thrive in a fast-paced, dynamic environment.

· Willingness to travel overseas as required.

· Prior experience in real estate or related fields is advantageous.

· Bachelor’s degree in Finance, Business, Economics, Real Estate, or a related field.

If you are a high achiever fresh out of university and looking for a rewarding career path in a dynamic startup environment, PRISM+ is opening up a Management Associate position, designed to groom you into an all-rounded entrepreneur and e-commerce digital marketing superstar. You will work directly with the Founder and Chief of Staff and be immersed in every aspect of driving a successful ecommerce business - from product strategy & planning, performance marketing, creatives, influencer marketing and data analysis.

Responsibilities

• Work directly with the Founder, COO and Chief of Staff on the most critical and high-impact areas of the business
• Management and execution of viral performance marketing campaigns on Facebook, Instagram, YouTube & TikTok
• End-to-end campaign planning, coordination execution, monitoring and reporting of key campaigns
• In-depth data analysis via Excel to drive actionable business insights
• Potential to get involved in M&A, fundraising, product strategy and roadmap, new business launch from 0 to 1
• Rotation amongst various departments to gain a holistic understanding of the business and contribute to multiple facets of the organization

Overall, this position requires a strategic mindset, strong analytical skills, and the ability to collaborate effectively with various stakeholders. You will play a crucial role in shaping marketing strategies, driving insights-driven decision-making, and exploring innovative marketing channels to achieve business objectives.

• Bachelor's degree in marketing, Business, or a related field
• Minimum 1 - 3 years of relevant work experience
• Proven experience in marketing, advertising, or a related role
• Strong analytical and problem-solving skills
• Excellent written and verbal communication abilities
• Proficient in marketing software, such as Google Analytics and CRM systems
• Ability to multitask and meet deadlines in a fast-paced environment
• Highly organized with great attention to detail

• Attractive remuneration package
• Annual outpatient benefit (Includes dental and optical benefits)
• Health insurance
• Free Bubble Tea every Friday
• Annual increment
• Performance bonuses
• Birthday leave

We are seeking for an experienced SAP Materials Management Functional Analyst who has been through at least a FULL life-cycle implementation for S/4HANA. Candidate must possess thorough understanding of SD-related Simplification items in S/4HANA and has played a key Materials Management functional role in Testing, Data Migration and Cutover during their previous S/4HANA implementation.

Candidate should process strong Materials Management business background, has hands-on with the related configurations and able to perform deep analysis to develop high quality work including functional and technical specifications.

Candidate will need to be detail oriented, a good team player and has excellent communication skills to work with cross-functional teams and business. This is key for supporting the various S/4HANA implementation phases including Integration Testing, User Acceptance Testing and Mock/Actual Cutovers.

Job Responsibilities:

· Hands on role in Test scope definition and Test scripting. Unit Test and String Test execution after code remediation. Perform end-to-end Integration Testing and supporting User Acceptance Test.

· Perform Data Validation using Client's selected tools during each data migration cycle

· Coordination across multiple tracks and functions for Cutover discussion and activities

· Deep-dive analysis of issues identified throughout Testing, Business Data Validation and Cutover cycles. Work across teams for triaging issues and resolution under a time pressure.

· Execute projects, setting project deliverables priorities, monitoring, reporting on the process, progress, risk, and result. Effectively communicate project status to the project stakeholder on a regular basis.

· Partner with business to ensure their expectations are met and managed. Ensures consistent delivery of a quality projects and adhere to Client's Project Life Cycle.

Bachelor's Degree from accredited university in Computer Science/Information Technology/Engineering

Technical Skills

At least one FULL life-cycle implementations of SAP S/4HANA

Experience in SAP Materials Management is a must - worked on implementations etc.

Performed detail system analysis, developed functional and technical specifications and hands-on configuration experience for S/4HANA in large-scale project implementation (preferably for a global, multi-national corporation)

Played a key Materials Management functional role in all Testing phases and Cutover activities for S/4HANA project implementation. Experience in Test Automation, Data Migration and Data Validation tools are a big plus

Ability to efficiently interact with multiple organizations to successfully implement projects between multiple modules.

· Worked closely with Technical, DevOps and other teams in design and implementation of SAP S/4HANA.

The Deputy Director of Program Management and Impact will lead the development and implementation of key regional energy transition strategies, working closely with Tara's program directors and partners. This role involves managing a team of experienced program leads, providing guidance, and empowering them to deliver impactful results. The Director will also be responsible for identifying emerging opportunities and challenges in the region, developing forward-looking strategies, and exploring new partnerships to accelerate the energy transition. Additionally, they will provide guidance to partners, monitor project deliverables, and advise on risk management and reporting.

Duties and Responsibilities are as follows:

Management of Program Leads

• Manage a team of passionate and experienced program leads, including, but not limited to, Bangladesh, Pakistan, and Organisational Development, providing them with the right guidance and empowering them to do their best work.
• Manage and support regional program leads as the organization grows.
• Working alongside the program leads to proactively scanning the countries and regional policy, energy, and economic environment for emerging challenges and opportunities for Tara’s work. This may include developments in the public, private, and people sectors including but not limited to policy developments, changes in the regulatory framework and legislation, corporate investments, etc.

Monitoring, Evaluation and Learning

• Overall responsibility for maintaining and improving Tara’s Monitoring, Evaluation and Learning program, working with a Regional Data Lead to maintain systems to monitor and track our organisational and program-related objectives and key performance indicators
• Responsible for producing Tara’s annual Monitoring, Evaluation and Learning report for key stakeholders
• Responsible for ensuring that Tara continuously utilises data to inform our programming and strategy, and ensure that this data is managed and kept updated in an accessible format.

Strategy

• Develop a forward-looking approach to strategy, analyzing where the region will need to be in five years' time on energy transition and supporting program teams to develop strategies fit for meeting future challenges.
• Identify areas where a regional strategy is required to complement national strategies to accelerate the energy transition and lead the development and implementation of at least one regional thematic program area
• Contribute to an active international network of re-granters and strategists on the energy transition needs of the region.

Grant management

• Guidance and advice to partners and prospective partners in the field to ensure activities achieve their intended objectives and results.
• Monitor deliverables and submissions from partners and provide general oversight of their timeliness and quality.
• Advise the operations team on specific legal/operational/risk requirements for grantmaking in Bangladesh and Pakistan.
• Advise programme directors/senior management on any potential risks and recommend mitigation measures when needed.
• Assist the Regional Program Director with reporting to funders and proposal development, and other duties as assigned.

Excited by the prospect of working for a dynamic and fast-growing international organisation with a mission to solve the climate crisis, the ideal candidate will have:

Knowledge and experience:

• At least 10 years of relevant work experience, gained in either local or international foundations, donor agencies, NGOs or clean energy-related companies or financial institutions;
• A good grasp of the energy system and its interlinkages to climate change, including an understanding of the barriers and opportunities for accelerating energy transition;
• At least 3+ years' experience in leadership positions, with experience managing experienced team members;
• Experience working in the Asia region;
• Demonstrated strategic thinking capabilities, and demonstrable ability to translate strategy into implementation;
• Demonstrated understanding of the role that civil society organisations play, especially in Asia;
• Demonstrated ability to maintain trusting professional relationships across different sectors, and a diverse group of partners, including many working in different cultural contexts;
• Experience working with philanthropic funders or bilateral or multilateral donors and an understanding of how to build and sustain a successful partner network a plus;
• Excellent written and oral English language skills and written and oral fluency in another Asian language preferable

Personal:

• Deep commitment to solving the climate crisis and enabling systemic change;
• Intrinsic motivation, excellent organisational and self-management skills;
• Deeply collaborative;
• Flexibility over working hours to accommodate global time zones;
• Willingness to travel both regionally and internationally;
• Impeccable ethics, and experience working confidentially and operating with high security.

Education

• Advanced degree or relevant expertise in a relevant field such as international relations, strategic studies, environmental management, business administration, economics, or sustainable development.

Location requirements

• The candidate must be based in the Tara region and must have long-term residency status with a legal permit to reside and work in the country.

Responsibilities

• Support the team to deliver operational risk management book-of-work, including risk culture reporting & communications, independent assurance review and control testing, action-plan progress tracking and other related responsibilities

Skills/Requirement

• ·1+ years of experience in operational risk management / Audit
• Strong organizational and time-management skills.
• Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint).
• Excellent written and verbal communication skills.
• Attention to detail and accuracy in managing data and reports.

• Singapore Based (Pasir Panjang)
• 5 Days work per week (9am - 6pm)
• Degree in Cosmetic Science or Chemistry; 2 years of experience in product development/ management in the cosmetic and skin care industry.
• Career Progression Opportunities

Responsibilities:

1. New product planning:

• Analyse industrial trends, market data and customer insights to derive constructive ideas and information for the purpose of NPD.
• Define product competitive positioning and unique selling proposition (USP).

2. New product development (NPD):

• Responsible for entire NPD process; from concept initiation to completion, for both new product and reformulations.
• Take the lead in close collaboration with cross functional teams such as Regulatory, Marketing, Supply chain, Contract manufacturers, R&D and Quality, for seamless on-time delivery of products.
• Source for contract manufacturers and liaise with formulators to develop new product; be the main contact point with these suppliers for NPD/ formulation discussions.
• Review formulas and ingredient/ design statements for new product that is compliant with regulations.
• Familiar with the concept of product challenge test, stability, and compatibility studies.
• Research market prices, create accurate product costing data and propose product pricing.

3. New product introduction:

• Conduct product training to regional trainer/marketing team and key leaders of salesforce.

4. Post-launch product management:

• Analyse product performance and identify actions required.
• Manage product feedback and propose technically sound customer-centric reply.
• React to necessary corrective and preventive actions (CAPA) raised by Quality.

5. Contribute for and implement standard procedures (in compliance with industrial standards and QMS requirements) for any product development and management activities or as assigned.

Requirements:

• Degree in Cosmetic Science or Chemistry.
• Minimum 2 years of experience in product development/ management in the cosmetic and skin care industry.
• Bonus if candidates have prior experience with beauty/personal care/medical device.

WhatsApp: +65 9642 0989 (Han)

Email: [email protected]

Chaw Chiaw Han, Reg No：R22106723

The Supreme HR Advisory Pte Ltd, EA No：14c7279

Position: Technical Support Chemist (Segregation)

• Salary: S$3,200 – S$3,600
• Working Hours: 5 Days Monday to Friday: 8am to 5pm
• Location: Tuas, West Singapore (Company Transport / Transport Allowance $120 if candidate possess own transport)

Requirements

• Degree in Engineering or Chemistry
• At least 2 years relevant experience

Job scope

• To supervise and support the functions of incoming waste segregation including bulk waste and loose waste as well as weighbridge.
• To constantly monitor improve the department performance.
• To conduct periodic review of existing workflows and procedures, and make recommendations for improvements and executing the improvement plans.
• To supervise and ensure the effectiveness and smoothness of waste unloading, segregation and distribution.
• Daily and regular inspection of the plant processes and monitor the working area 5S and TPM activities, safety and discipline at works, machineries and equipment conditions.
• Ensure incoming waste streams being checked properly for suitable treatment processes and current safe work procedures are suitable for handling by operation staff.
• As the core coordinator, lead and monitor the communication flow among internal departments on incoming waste discrepancy and revise related SOPs accordingly.
• To evaluate and develop new treatment methods and handling procedures for new and unknown wastes, and review of operation costs and regular update to management.
• To implement and supervise correct EHS practices within the department.
• To work with resale for arrangement of recovered products to minimize the storage.
• To prepare and analyse daily and monthly operation records/reports (e.g., cost, productivity, quality, nonconformance, etc) on plant processing and maintenance.
• And follow up necessary corrective actions and monitor consistently to relevant department staffs to follow up closely.
• Regular briefing / training to be conducted to department staffs for safety handling of high flammable solvent, MSDS, PPE requirement and risk assessment before operations.
• To activate emergency response team of operation and maintenance staffs and response to any in house spill and fire incident if in case of emergency.
• To liaise with EHS department to ensure fellow dept staff are upkeep with method of handling and emergency equipment usages in terms of spills and fire incident and to conduct regular practice and drill exercises with different scenarios to workers so that they are well familiar in emergency to response in time.
• To ensure all fellow staffs are well trained according to OJT program and ensure they can follow up SOPs and work safely.

Secondary responsibilities

• To undertake any other tasks assigned by the Management from time to time.
• As an ISO committee member, to develop and implement documents for operation procedures, such as SOP, RA and MOC, SWP and participate in auditing the various departments as an Internal Auditor

Chin Wai Loon Reg No: R24121618

The Supreme Hr Advisory Pte Ltd EA No: 14C7279

• Responsible for the vessels’ health, safety and environment compliance.
• Manage audits and inspections required by the recognized organization (RO) - ISM, ISPS and MLC.
• Oversee the vessels’ navigational matters, including approval of passage plans and conduct of navigation audits.
• Ensure compliance with terminal, operators, oil majors and charterers’ requirements.

Requirements:

• COC Class 1
• At least 2 years of experience onboard tanker and shore-based in ship management.
• Strong supervisory experience with good oral and written communication skills.

If you are keen to apply for the position, kindly email your detailed resume in MS Word to [email protected]

Please note that only shortlisted candidates will be notified.

For more job opportunities, please visit our website at www.recruit-expert.com

EA Licence: 19C9701

Registration: R21100996

• Singapore Based (Pasir Panjang)
• 5 Days work per week (9am - 6pm)
• Degree in Cosmetic Science or Chemistry; 2 years of experience in product development/ management in the cosmetic and skin care industry.
• Career Progression Opportunities

Responsibilities:

1. New product planning:

• Analyse industrial trends, market data and customer insights to derive constructive ideas and information for the purpose of NPD.
• Define product competitive positioning and unique selling proposition (USP).

2. New product development (NPD):

• Responsible for entire NPD process; from concept initiation to completion, for both new product and reformulations.
• Take the lead in close collaboration with cross functional teams such as Regulatory, Marketing, Supply chain, Contract manufacturers, R&D and Quality, for seamless on-time delivery of products.
• Source for contract manufacturers and liaise with formulators to develop new product; be the main contact point with these suppliers for NPD/ formulation discussions.
• Review formulas and ingredient/ design statements for new product that is compliant with regulations.
• Familiar with the concept of product challenge test, stability, and compatibility studies.
• Research market prices, create accurate product costing data and propose product pricing.

3. New product introduction:

• Conduct product training to regional trainer/marketing team and key leaders of salesforce.

4. Post-launch product management:

• Analyse product performance and identify actions required.
• Manage product feedback and propose technically sound customer-centric reply.
• React to necessary corrective and preventive actions (CAPA) raised by Quality.

5. Contribute for and implement standard procedures (in compliance with industrial standards and QMS requirements) for any product development and management activities or as assigned.

Requirements:

• Degree in Cosmetic Science or Chemistry.
• Minimum 2 years of experience in product development/ management in the cosmetic and skin care industry.
• Bonus if candidates have prior experience with beauty/personal care/medical device.

Kylen Seah Reg No: R24124248

The Supreme HR Advisory Pte Ltd EA No: 14C7279

To apply, It will be great if you could share your CV to [email protected]. Alternatively, you can apply at https://lnkd.in/ghn9JEy9

• Exposure to latest technology
• Autonomy to make key decision for ATM system

About the company

Our Client is a market leader in their industry. They have a well-established presence of more than 20 years with a global footprint of more than 10 countries. With rapid expansion plan, they are now looking for a new Solution Architect - ATM Airport Traffic Management to be a part of their team here in the regional headquarters.

About the job

You will be responsible for:

Shaping, stabilizing, and maintaining the solution architecture for bids and projects throughout all lifecycle phases

Designing and proposing innovative technical solutions that align with customer needs while adhering to the business's product/system technical strategy.

Evaluating architectural and technical choices to balance customer requirements, technical solutions, cost, and risk.

Ensuring the solution architecture is optimized to meet product requirements by:

• Identifying key architectural drivers.
• Exploring the solution space to define alternative architectural concepts and performing trade-offs, ensuring all design options are documented and decisions are justified.
• Conducting early architecture validation, including modeling and proof-of-concept activities to mitigate risks.

Develop Architectural Viewpoints to:

• Define the system breakdown.
• Lead the definition of interfaces and resolve technical conflicts among various contributors (both internal and external).
• Describe system behavior through functional flows and identify interdependencies between system components.

Specify Technical Performance Measurements (TPMs) and support their validation throughout the project lifecycle.

Document the architecture in required artifacts (e.g., Product Breakdown Structure, System of System Design Documentation).

Ensure the solution architecture remains stable and is maintained throughout its lifecycle in collaboration with the Project Design Authority (PDA) and Engineering Delivery Manager (EDM).

Assist the PDA and EDM in approving major engineering reviews and deliverables.

Review key subsystems, including Infrastructure, Platform, and Security artifacts, to ensure system requirements are understood and the design constraints are met.

Skills and experience required
As a successful applicant, you will have at least 5 years of experience in ATM Airport Traffic Management is required for this role.

Whats on offer
This is an excellent opportunity to join an established MNC with exposure to latest technology.

To apply, It will be great if you could share your CV to [email protected]. Alternatively, you can apply at https://lnkd.in/ghn9JEy9 (EA: 94C3609/ R1219669)

about the company

My client is an international brand that specialised in property management

about the job

• Planning, reviewing, and implementation of trade mix, mall positioning, and leasing plans for retail spaces.
• Involved in lease negotiations and documentations for new leases and renewals.
• Preparing marketing materials, conducting site inspections for prospective tenants, and maintaining relationships with tenants and property consultants.
• Monitor market conditions and retail trends, prepare budgets, marketing progress and management reports.
• Support in the store planning of current and future ROP
• Review and record rent reductions and rent savings
• Work with system vendors, Finance department on arrears/GTO management, and with Facilities Management department on tenant support and management.

skills & experience required

• Degree in Real Estate Management / Business Administration / Marketing
• Minimum 15 years of experience in leasing management & negotiation for retail shopping malls
• Experience in leasing of outlets in suburban / prime location within Singapore
• Willing to be on the ground running and hands on leasing matters
• Good connection and contacts of tenant
• Registered Salesperson with CEA will be a plus

If you are interested in the position

Please include your availability, expected salary and reason for leaving current job

We regret that only shortlisted candidates will be contacted

EA: 94C3609 / Reg: R1325913

Join our dynamic team as a Site Planning and Management Senior Assistant Director/ Assistant Director/ Senior Manager, where you will play a pivotal role in shaping the future of community care facilities for seniors!

Job Description:

• Collaborate with the Ministries and Agencies for capacity planning and capacity injection to ensure adequacy of community care services in Singapore.
• Develop comprehensive plans to strategically locate community care facilities across the island, and creatively utilising innovative space solutions to address land scarcity, ensuring optimal accessibility and service delivery for our senior population.
• Develop the framework to conduct comprehensive assessments to determine the suitability of locations for community care facilities.
• Analyse demographic data and community needs to inform the planning and assessment decisions.
• Collaborate with diverse stakeholders to co-design and co-develop functional community care facilities that enhance the delivery of care services for the seniors.
• Write papers, reports, presentations to secure approvals from management and the Ministry.
• Manage budgets, key project milestones, and implementation plans to ensure timely delivery of community care facilities.
• Lead a small team of members and mentor the members to develop them to their fullest potential.

Job Requirements:

• Bachelor’s degree in a relevant field (e.g., urban planning, public administration, business administration, facility management, etc.).
• Proven track records in site planning and management, policy operationalisation, and project management, preferably within community care services or the public sector.
• Strong analytical abilities with proficiency in paper writing and making data-driven decisions.
• Excellent communication, interpersonal, and stakeholder management skills to effectively collaborate with diverse stakeholders.
• Ability to work independently in a fast-paced environment, demonstrating flexibility and resilience in adapting to dynamic changes.
• Strong project management skills to ensure successful execution of initiatives.

Job Highlights:

• Competitive Remuneration (Commission + Package + Incentive)
• Coaching/Mentoring to MDRT
• Fast Track to Management

About this role:

As a Wealth Management Consultant, you will help clients accomplish financial objectives by assessing the client’s financial situation; develop and present financial strategies/plans and provide advisory services in protection and risk management throughout their whole life cycle. You will also provide investment advisory services to clients with the aim to grow their money through various investment strategies.

Successful candidates will be placed on a mentorship programme to equip you with the knowledge and skills to succeed in your business. Utilize finexis unique fintech solutions to automate client relations and generate solutions using artificial intelligence. Candidates with strong leadership qualities will be fast tracked for management. Build your career with us now!

Established in 2005, finexis is a market leader in the financial advisory industry. Join an award-winning firm with ~800 active consultants whose average productivity exceeds 6 figure. As a wholly owned firm, finexis is truly independent, thus providing unbiased advice in its client-centric approach.

You will be responsible and involved in:

• Client acquisition through various prospecting strategies
• Participate in business development activities relating to Financial Planning
• Review prospective/existing client portfolio
• Propose solutions and planning for client investment and insurance needs
• Client Management and Retention
• Attend and respond to customer queries professionally

Benefits:

• Competitive compensation package with the highest commission in market
• Incentive trips from company and partners
• Access to cutting-edge financial tools and resources

Requirements:

• 21 years old and above (based on MAS requirements)
• Singapore Citizens or Permanent Residents
• A local Diploma/Degree, preferably in Business or Finance related
• Passion in Investment/Financial Planning/Personal Finance/Wealth Management

Who we are looking for:

• Entry level candidates
• Mid-Career Switchers - Candidates looking to build a long-term career with us and have control over your variable remuneration which allows you to achieve financial freedom.

Experienced candidates in the financial services sector are welcome to apply and transition support will be provided.

Havas Play, the Social, PR, Content and Experiential Events division of Havas Singapore, is looking for a Project Management Executive, who will work on a diverse range of projects/ accounts across media and will be supporting the team on daily work operations across departments in the agency.

This role will be working closely with our creative, account servicing and production teams.

Responsibilities

• Support the planning of projects and managing resource allocation with effective time management
• Work closely with internal/external stakeholders to balance workloads and advocate for appropriate timelines on projects
• Manage expectations by keeping all stakeholders informed of any conflicts, delays
• Implement required workflow and tools to ensure smooth flow of jobs through the system
• Ensure incoming job requests contain information needed to assign relevant resources and deliver the next stage artwork/creative/FA effectively
• Communicate job status information to relevant parties
• Support the smooth workflow and communication between departments
• Attend WIP meetings to accurately understand current & anticipated workloads
• Procure quotations from suppliers for art buying
• Resourcing freelance requirements when required
• Booking all creative meetings, WIPs, Presentations etc.

Desired skills and experience

• At least 1-2 years’ experience in an advertising environment
• Switch over from other departments in an advertising environment is welcomed
• Prior producer experience overseeing creative production and with video production background is preferred
• Pro-active, collaborative, with a strong can-do attitude
• Well-organized with excellent problem-solving skills
• Strong communication skills (verbal, written and presentation)
• Strong interpersonal and people-management skills
• Confident and positive personality
• A proven ability to meet deadlines, juggle multiple concurrent projects and work independently

About Havas

Founded in 1835 in Paris, France, Havas is one of the world’s largest communications groups. At Havas, we believe that companies have a key role to play in solving the biggest challenges our world faces today – and every day we strive to operate responsibly for ourselves and our stakeholders. We operate under the vision and mission to make a meaningful difference to brands, businesses, and people.

We employ 23,000 people in more than 100 countries, adopting a fully integrated model through our 70+ Havas Villages around the world – the Havas Village offers a truly unique proposition, where cross discipline teams work together, ensuring agility and a seamless experience for our clients.

About Havas Singapore

Within our Singapore Village is a network of business units including Havas Media, Arena Media, Havas Play and BLKJ Havas, offering services across media, social, PR, and creative. Since 2015, we’ve had an unbroken streak of Agency of the Year (AOTY) wins across disciplines, including Integrated Marketing AOTY, Media AOTY, Specialist AOTY, and PR AOTY.

We are also committed to building a diverse culture where our people can grow, thrive, and feel that they belong. In 2023, we won Best Agency Culture (Gold) at Marketing Interactive’s Agency of the Year Awards, and are a Great Place To Work® Certified™ agency.

Here at Havas, we pride ourselves on being committed to offering equal opportunities to all potential employees and have zero tolerance for discrimination. We are an equal opportunity employer and welcome applicants irrespective of age, sex, race, ethnicity, disability and other factors that have no bearing on an individual's ability to perform their job.

*Kindly note that only shortlisted candidates will be contacted.*

-Oversee daily operations to ensure smooth and efficient service

-Manage staff scheduling, training, and performance

-Maintain excellent customer service standards and resolve guest concerns professionally

-Monitor inventory, order supplies, and manage costs

-Uphold the restaurant's standards for cleanliness, presentation, and ambiance

-Collaborate with the kitchen team to deliver exceptional dining experiences

-Ability to work in a fast-paced environment and handle multiple tasks simultaneously.

-Ability to stand for long periods and work late nights.

-Ability to work on weekends and public holidays.

Manager – Deposits & Remittances

Job descriptions

Responsibilities

Customer Relationship Manager

• Better Customer Service to ensure complete customer satisfaction

Branch Operation & administration

• Smooth functioning of daily routine.
• Proper Leave Management of staff.

Business Development

• To achieve corporate business goals in conformity with high ethical standards.

Onboarding of a client as well as ongoing Customer Due Diligence of existing clients.

• Ensure no new Non Resident customer is on boarded.
• Proper CDD of prospective customer in line with MAS 626.
• No account should be open for customers who insist on anonymity or use fictitious name.
• Name Screening of the prospective customer against latest sanctions list such as UN/EU/OFAC/MAS/existing STR database etc.
• Proper Risk Classification of Customer.
• Establish policy and procedure for ongoing review of existing customers.
• Authorisation of account opening and closing.

Updation of Policy & Procedures

• Timely updation of department policy and procedure in line with latest MAS 26 guidelines and implementation.

Review of Service charges

• Annual review of service charge.

Handling of Dormant, Blocked Accounts, Suspense A/cs, Hand Delivery of Mails

• Ensure timely marking of accounts as Dormant.
• No account should be made operative or unblocked without approval of senior management.
• Close Monitoring of not-collected mails beyond specific time limit in Hand Delivery of Mails accounts.
• Monitoring of department related suspense accounts.

CTS & E-GIRO

• Timely submission of Clearing and rejection.
• Active participation in the CTS/E-Giro Industry testing with BCS

Cash Management

• Dual control over Cash
• Authorised access to Cash Department.
• Maintenance of Bait Money.
• Security of cash.
• Timely Lodgment/withdrawal of cash with MAS.
• Timely Availability of festival notes to customers.
• Keep cash within approved retention limit.
• Insurance coverage of cash
• Bank that has possession or comes into possession of any currency note of a denomination of 10,000 Singapore dollars shall not recirculate the note

SDIC coverage

• Timely reporting of Insured Deposits, products and customer base to SDIC.
• To cover all eligible deposits under SDIC.
• Timely and accurate premium payment.
• To keep data error free.
• Co-ordination with SDIC in simulation exercise.

FATCA Compliance

• Identification of FATCA a/cs at the time of on-boarding and ongoing basis.
• Reporting of FATCA to IRAS.

Member in various local committees.

• Participation in ALCO in deciding the deposits rates.
• Active participation in other local committees such as Compliance, Operational risk Management etc.

Monitoring of Transactions including Blocking of transaction

• EDD Monitoring & reporting of High Value Cash Transactions.
• Monitoring of related party transactions & group transactions.
• EDD Monitoring of MR/HR customers & HR Countries transactions.
• Monitoring of movement of Blocked to unblock, dormant to active.
• Review of all monitoring reports in view of STR and filling for STR, wherever warranted.

Daily oversight of Department

• Review of General Ledger Balance on business parameter.
• Daily Monitoring of suspense outstanding.
• Daily monitoring of outstanding in settlement a/cs
• Monitoring of TOD, if any.

Submission of Regulatory/HO statements

• Submission of various regulatory and HO statements as per schedule without any delay with accuracy.

Attending Various workshop organized by MAS/ABS etc.

• To attend all the workshop/ consultations as and when organized and put process and changes in policies according to latest changes.

Attending Various Internal/External Audits

• Liaisoning with auditors for smooth completion of audit.
• Attending the auditors and immediate addressing to the issues highlighted by the auditors.

Staff meeting & knowledge testing, encourage staff to complete the online e-learning of AML and PDPA.

• Appraising all the department staff for the latest changes if any.
• To discuss issues in Staff meeting, if any.
• Conduct Regular test on the policies and process to knowledge up to day.

Compliance with guidelines of MAS / MOM / RBI / HO as and when applicable.

REMITTANCES:

01. Downloading of TT OUT Application from email.

02. Checking & Releasing TT OUT Transactions.

03. Verification of INCOMING TT Messages.

04. Verification of RTGS INR Payments.

05. Sending TT OUT advices to customers by email.

06. Submission of survey reports and reply to MAS (Regulator) queries regarding remittances.

07. Downloading JP Morgan Chase Statement.

08. Coordination with customers for obtaining supporting documents for the TT OUT and TT IN transactions and documents required for compliance queries.

09. Coordination with compliance department for obtaining approval for High Risk Transaction.

10. Oversight and monitoring of the remittance centre at Serangoon Road.

11. Attending queries of customers.

12. Call back for TT OUT transaction as and when required.

13. Follow up with Indian Branches for NRI customer issues.

14. Attending customer Calls.

15. Attending the Concurrent Audit Report.

16. Attending Compliance Queries and Audit queries.

17. Monitoring of Transactions for customers including walk-in.

18. Review of Remittance Charges

19. Updation of Policy & Procedures

20. Fixing of Exchange Rates for customers with dealer.

21. Screening of Wire-transfer’s against latest Sanctions

22. Verification of RTGS/Wire-transfer for walk-in customer

23. To facilitate NRI customer in opening NRE/FCNR/NRO accounts back in India and for their ancillary needs such as documents verification etc.

24. Leave Management of staff.

25. Timely rejection of payments/blocking of payments where mandatory information are not available and review of STR aspects, if required filling of STR

26. Issuance and monitoring of Remit cards.

27. Blocking of remittance where 100% match is for Sanctions and filling of STR. Review of all monitoring reports in view of STR and filling for STR, wherever warranted.

28. Reconciliation and monitoring of MAS and Rupee Nostro a/c with Mumbai overseas branch including CITI Bank funding for USD clearing.

29. Passing of un-reconciled entries highlighted by Reconciliation department.

30. Cash transaction management for walk-in customers

31. Monitoring of U-turn transactions.

32. EDD Monitoring & reporting of High Value Cash Transactions.

33. Monitoring of MR/HR customers & HR Countries transactions.

34. Staff meeting & knowledge testing.

35. Any other job/duty assigned by Dy.Chief Executive / Chief Executive.

36. Compliance with guidelines of MAS / MOM / RBI / HO as and when applicable.

Credit In charge (Overall In Charge of credit and related functions such as trade, syndication)

Job description

Responsibilities

Due diligence on borrowers

• Due diligence on prospective clients before taking up the proposals on board and at time of review which includes obtaining ACRA, D&B, status reports from banks, statements of accounts with existing banks and market reports. Checking the names with RBI defaulters list and litigations etc. against the company / directors /shareholders.
• Ensure necessary CDD / AML & CFT measures are in place in relation with promoter’s background and business, including any adverse media reports.

Screening of prospective & existing borrowers

• Carry out screening of directors / shareholders in world compliance check and obtain KYC documents.
• Risk rating of customers based on nature, place of incorporation, jurisdiction of incorporation, corporate shareholders, suspicious transactions, tax litigations and politically exposed persons etc.

Credit rating of borrowal accounts

· Carry out credit rating of the customer as per internal rating model. The model is based on the financials and other aspects including management, industry and past experience to arrive at risk rating and pricing. Our internal rating model (OVS model) is devised by KPMG independently and it is well defined, consistent and mapped with regulatory requirements of grading as per MAS 612.

· Credit rating model to incorporate the various characteristics of the borrower, such as key financials indicators, business, industry factors, conduct of account etc.

· Proper grading of accounts as per MAS/RBI guidelines whichever are stringent.

Formulating appropriate Pricing mechanism

• To arrive at pricing of the loan, having regard to risk rating, industry scenario, cost of funds, asset-liability position, operating costs, profit margin and security offered.

Appraisal of financials key ratios & industry

• Analysis of balance sheet, operating statements and cash flow of the borrower and also consider cash flow of group / parent companies to take holistic view of the group.
• Analyse Key financial ratios and compare with benchmark ratios as per policy.
• Analyse the trend of business, compare projections v/s performance and assess business model whether it is self sustained.

Assessment of credit limits

• Assess the requirement of the borrower based on past performance and future trends, trade cycle, and cost of project (for project finance term loans).
• It is also based on credit strength of obligor and our borrower and group exposure limits. Internal rating is carried out without undue reliance on external ratings.
• Syndicated loans are appraised independently without undue reliance on assessment of lead arranger or underwriter of the facility.

Separation of credit origination & Credit approval / Review functions

· Segregation of credit sourcing and appraisal to be ensured and guidelines to be laid down for distancing of operations & appraisal process.

Security, including collaterals

· Collaterals & guarantees may be obtained as credit mitigation measures.

Lending to Single Group

· All proposals should incorporate max permitted Single borrower/ Group borrower limits as laid down as per Delegation/ Credit policy guidelines. It is directly linked with bank’s capital structure and RBI guidelines for single and group borrower limits.

Compliance with Regulatory guidelines

· Processing of proposals following the guidelines of RBI / MAS.

Lending to Related parties

• Ensuring Credit granted , if any,
• to concerns related to bank’s Directors/ senior management is done at arm’s length and free from conflict of interest and approved by apex sanctioning authority of the bank.
• (Board of Directors)

Formulation , Review & updation of policies, procedures and manuals

• Annual review and update policies, procedures and manuals in line with latest regulatory guidelines and in line with prevailing economic environment on annual intervals.
• Policy should lay down the conditions and guidelines for identification, measurement, evolution, and monitoring, reporting and mitigation of credit risk at both individual obligor and portfolio levels. It should be well defined documented, consistent and adequate for nature and complexity of our business activity and it should be approved by the Board of Directors.
• Roles and responsibilities of staff involved in management of various credit functions to be laid down
• Operational guidelines to be documented and set out in sufficient details for effective implementation by operational staff.

Delegation of authority

· All credit proposals to be put up to appropriate delegated authority as defined by in delegation of powers, issued by Head Office from time to time. This is based on quantum of exposure, risk rating of the obligor and tenor of credit. It is treated as secured and unsecured on the basis of security / collaterals offered against the facility.

Audit compliance

· Addressing previous internal/ external/ statutory audit observations.

Mechanism for approving excesses beyond sanctioned limits

· Evaluate & process requests of customers for Ad Hoc / TOLs / modification in sanction terms.

Periodicity of credit reviews

· All credit accounts to be reviewed at least once a year.

· All Special mention accounts to be reviewed from monitoring perspective at 6-monthly intervals.

· Status review / Short review to be conducted wherever complete data/ latest financials are not available.

· In addition to above, occurrence of any event that may jeopardize the repayment capacity of the obligor may trigger for review of account.

· Testing of financial covenants set out in the facilities.

Monitoring conduct of a/c / overdue position

· Monitoring daily overdue statements to prevent slippage of performing assets into classified category by recovery of overdue position.

Liaison with HO

· Follow up with HO for matters under consideration with them and reply to their observations.

· Reporting of events that may affect the risk perception of the account during the year in addition to reviews.

Upgradation of skills & knowledge of staff

· Impart formal / informal training and conduct weekly test for staff to enrich domain knowledge.

· Attend trainings / seminars / workshops and take online tests on AML /CFT and PDPA.

Reconciliation

· Overall In Charge of Nostro and Vostro account reconciliation

Compliance with guidelines of MAS / MOM / RBI / HO as and when applicable.