Job Description:
- Formulate credit risk management framework to ensure the SME & Retail loan portfolio stay within the banks’ risk appetite and comply with regulation.
- Develop and maintain credit policies and procedures; Manage timelines of Product Program and Credit policy renewal.
- Work with stakeholders for development of product programs and test programs to support new business and product launches and ensure compliance with applicable credit policies and processes.
- Develop and maintain loan origination and portfolio management policies for SME and retail lending products including underwriting rules, limit assignment and risk-based pricing etc.
- Perform periodic monitoring of risk profiles, concentrations, and economic / industry / regulatory development.
- Conduct portfolio performance analysis and make recommendations on credit risk actions when necessary to ensure that sound portfolio quality.
- Participate in credit portfolio stress testing on a regular basis to fulfill both internal and regulatory requirements.
- Responsible for working with business and collection teams to implement industry wide or internal relief programs when required.
- Work closely with the business team, development, and other functions on new initiatives as necessary.
Requirements:
- 5-8 years of working experience in a Business or Retail Banking role preferably in a credit risk policy, analytics or portfolio management capacity.
- Bachelor’s degree or above in Business, Finance or Statistics.
- Analytical mindset, good communication and presentation skills
- Meticulous and self-driven to produce end results.
- Familiar with portfolio monitoring techniques & tools e.g. MS PPT, PySpark/SQL
- Good knowledge on credit risk / collections scorecard.
- Knowledge of PowerCurve Strategy Management is a plus.
