Job Description:
Credit Underwriting & Monitoring
- Propose and implement credit strategy for retail and SME loan underwriting
- Propose and implement obligor level credit conditional monitoring and early warning triggers for retail and SME loan
- Conduct portfolio monitoring and analysis on concentration risk and asset quality
- Set up loan grading and ECL staging criteria of loan portfolio
- Prepare and analyse risk reports such as portfolio performance, industry exposure, vendor performance and historical customer trends
- Coordinate with modeling team on risk tools development including decision scorecards and ECL/Basel models
- Support conceptualisation development for new credit products suitable for retail and SME markets
- Track and monitor the full credit cycle performance and risk appetite metrics.
- Evaluate and influence to balanced business growth in the form of policy refinement and credit testing
- Support countries through analysis to formulate policy and portfolio management to improve profitability
- Support country with portfolio deep-dive analyses and provide insights with recommendations on policy changes to improve portfolio quality.
- Support the development and growth into new strategic segments e.g. mass market.
Credit Collection
- Recommend collections policies and strategies that will result in reducing delinquency roll rates and losses
- Set up internal restructuring and write-off rules
- Analyse collections and operations strategies and tactics, with a view to develop and implement tests designed to improve collections and overall operational effectiveness
- Effectively report on and communicate impact of collections strategies, including test results
- Collaborate closely with Operations management and teams to implement collections strategies, including process improvements and technology enhancements
Requirements:
- Bachelors or above in a quantitative field (e.g.: Statistics, Financial Engineering)
- At least 4-8 years of relevant hands-on banking or fintech experience, handling credit risk related portfolios
- Familiar with regulations in South East Asia markets
- Professional qualifications such as CA/ACCA/CPA/FRM would be advantageous
- Strong Credit and Trade finance knowledge
- Expert knowledge on risk areas, banking products, services and systems
- Problem-solving, positive and constructive attitude is a must
- Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment
- Proficiency in data analytics/science tools such as Python, SAS, SQL etc. Experience with Big Data and AI/ML algorithms is preferrable.
- System knowledge at implementing strategies / models is a plus.
- Strong interpersonal and communication skills.
