Total 26 credit controller job vacancies in Finance / Banking / Insurance category in D23 Hillview, Dairy Farm, Bukit Panjang, Choa Chu Kang

Job Description

• Participate in the implementation of credit risk management framework including underwriting, credit limit management and risk based pricing.
• Monitor the performance of risk indicators to finetune and enhance credit risk management policy by conducting data analysis.
• Responsible for evaluating the credit worthiness of new credit applicants and monitoring the ongoing financial performance of existing credit customers.
• Responsible for risk model evaluation and continuously monitor its performance to ensure the stability and accuracy of risk strategy.
• Work closely with cross-functional teams such as anti-fraud, collection and modeling team to optimize end to end risk processes.
• Collaborate with Business teams, Product teams, Engineering teams and Ops teams to balance risk management targets with business targets.

Requirement

• Bachelor Degree and above in Finance, Computer Science, Statistics, Engineering, Economics or other relevant fields.
• Minimum 3 years experience in the risk management area specializes in credit risk management in a sound financial institution.
• Proficiency in SQL or Python.
• Experience in underwriting policy, credit limit and portfolio management and good awareness of anti-fraud and modeling is preferred.
• Strong analytical thinking and problem solving skills.
• Excellent communication and stakeholder management skills.

Kindly note that you can only be considered for one role at a time with any of the companies within our Group. If you have applied for other jobs with the Group, you will be considered for roles in the order of your application.

FUJIFILM Business Innovation is a global leader committed to continuously deliver innovations to customers’ businesses worldwide, for creating innovative and fulfilling workplaces by effectively adopting information and knowledge through digital transformation (DX). We have pioneered numerous technologies and accumulated expertise since our establishment in 1962, to build an environment that encourages the use of one’s creativity to maximize organizational strengths. Our portfolio includes conducting R&D, manufacturing and sales of world-class workflow solutions, IT services, and printing equipment such as digital multifunction printers (MFPs). We also offer business process outsourcing (BPO) services as well as marketing and implementation support of Enterprise Resource Planning (ERP) systems.

On 1 April 2021, we have changed the company name from Fuji Xerox to FUJIFILM Business Innovation. More than just a name change, it embodies our commitment to continue as a company that always pursues business innovation.

PURPOSE:

You will be involved in credit risk, preparing credit reports to minimize financial risks by assessing the creditworthiness and analysing financial statements of the potential and existing clients.

The Role:

• Conduct credit analysis on existing or new customers within stipulated turnaround timeline before onboarding a new deal.
• Account creation for new customers.
• Process lease termination within stipulated timeline.
• Quarterly cleansing of SFDC and ITSS data/accounts.
• Assist on monthly reporting/presentations slides for Management meeting.
• Perform other ad-hoc based tasks related to credit team function including process improvement which involve UAT testing, creation/review of test scenarios, and engagement with project team on test reviews/feedback

Requirements:

• Diploma/degree holder in Business, Finance, Accounting or any related field
• At least 1-2 years' experience in credit management, with knowledge in finance operational matters and process implementations
• Proficient in Microsoft Office, with exposure to Oracle ERP preferred
• An excellent team player who is outcome and target focused
• Collaborative and comfortable negotiating with stakeholders to resolve issues
• Able to work under tight deadlines
• Meticulous and attentive to details

Only shortlisted candidates will receive a response. Therefore, if you do not receive a response within 14 days, please accept this as notification that you have not been shortlisted.

Morgan McKinley Pte Ltd

Rachel Heng

EA License No: 11C5502

Registration No: R23115318

DESCRIPTION

This position reports to the Chief Financial Officer and Project Director. Junior Cost Controller supports the cost control functions of the project by assisting in the preparation of project budgets and cost estimates during the bidding phase. Throughout the project lifecycle, you will be responsible for assisting in monitoring and controlling costs, ensuring that all costs are accurately tracked and reported.

DUTIES AND RESPONSIBILITIES

• Assist in the preparation the project budget and capital cost estimates.
• Help set up standard project account codes and establishment of Project Work Breakdown Structure (WBS), CBS and CTR Catalogue.
• Assist in transferring the project ‘as-sold’ budget information into a Project Cost Model (split according to the Breakdown Structure – WBS and time-phased).
• Coordinate with the other project functions to ensure compatibility with the Cost Control requirements and timely flow of information.
• Support the setup the systems and process that will allow a smooth gathering and compilation of commitment and cost information during project execution.
• Help produce regular cost reports and advising management of any forecast cost overruns as soon as possible to allow corrective actions to be taken in a timely manner.
• Assist in Review cost commitment and expenditure information for all cost elements and ensuring that all information received is accurate and correctly recorded.
• Maintain close monitoring of project activities in line with contractual conditions.
• Involvement in Change Management Process Variation Order costing, pricing, and submission.
• Participate in Risk Management Process and manage the project contingency and sensitivity analysis.
• Review invoicing and monitoring payment received from client.
• Responsible for preparation of monthly cash flow statements, monitoring and forecasting cash flows, setting control environment for the cash management in order to optimise cash flow.
• Verify and validate all claims/ supplier / subcontractor / service provider invoices billed to the project.
• Preparation and monitoring of manpower manning plan of the project, manpower earned value analysis and resources in relation to the original schedule requirement.
• Encourage and provide lateral learning within the project.
• Established and maintain good working relationship with both internal and external clients to guide on cost controlling matters.
• Fiscal responsibilities include planning, preparation, forecasting, maintaining and reconciling for budgets and expenses and planning, forecasting, maintaining and reconciling in the area of purchasing.

Comply with HSE requirements:

• Environmental Aspects & Impacts Assessment.
• OHS Hazardous & Risk Assessment.
• Follow HSE Regulations.

REQUIREMENTS

• Bachelor’s degree in business administration/finance/accounting preferred.
• Minimum 0-2 years of experience in similar capacity with expertise in cost management.
• Computer literate in MS Office Word, Excel, PowerPoint, and SAP System.
• Good communication, organising and interpersonal skills are critical.
• Positive attitude / Drive for result.
• Good sense of numerical projection, estimation and experienced in generating financial reports.
• Proactive, self-motivated, and able to work independently.

PROFESSIONAL DEVELOPMENT

• Receive on-the-job training and mentorship from experienced engineers to develop your skills and knowledge.
• Opportunities for career advancement as you gain experience and demonstrate your abilities.
• Support for obtaining professional certifications.

Only Singaporeans & PRs need apply.

Responsibilities:

• Lead the enhancement, iteration and implementation of credit risk management framework including underwriting, credit limit management and risk based pricing
• Monitor credit portfolios, identify risk patterns and insights, highlighting potential risks, threats as well as growth opportunities to senior management.
• Responsible for risk model evaluation and continuously seek ways to improve model and policy performance and ensure its stability and accuracy.
• Work closely with cross-functional teams such as anti-fraud, collection and modeling team to optimize end to end risk processes to ensure the success of the risk management of the portfolio
• Collaborate with Business, Product and Ops team to enhance user experience and drive revenue on new product lines. Proficiency in SQL, Python or Pyspark.

Requirements:

• Bachelor Degree and above in Finance, Computer Science, Statistics, Economics, or other relevant fields
• Minimum 8 years of working experience in risk management specializing in credit and fraud risk management in a sound financial institution.
• Comprehensive understanding of credit products and the regulatory landscape.
• Experience in underwriting policy, credit limit and portfolio management and good awareness of anti-fraud and modeling is preferred.
• Strong analytical thinking and problem solving skills.
• Excellent communication and stakeholder management skills, self driving personality
• Proficiency in SQL or Python or Pyspark

Company Description

About Grab and Our Workplace
Grab is Southeast Asia’s leading superapp. From getting your favourite meals delivered to helping you manage your finances and getting around town hassle-free, we’ve got your back with everything. Guided by The Grab Way and our four core values of Heart, Hunger, Honour, and Humility, we make a lasting difference for Southeast Asia by creating economic empowerment for everyone.

Job Description

Get to Know Our Team

Grab’s lending business is dedicated to financial inclusion by creating responsible access to credit for consumers, drivers, and merchants. Our team combines business drive, industry expertise, and local market knowledge to tackle this exciting opportunity. The Country Credit & Collections team plays a key role in establishing and executing credit risk management policies and procedures. Working closely with the Country Head, Product, and Regional Credit Risk team, you will help improve technological and risk methodologies. This role offers a unique opportunity for rapid professional growth across all aspects of the credit risk framework, including data integrity, systems, reporting, and risk/capital methodologies.

The Critical Tasks You Will Perform

• Develop and implement the credit framework/Credit Policies for the country
• Assist in development and implementation of data collection, data analytics and other strategies to analyze statistical efficiency and guide decision-making
• Establish measurements to analyze credit model and policy performance, uncover insights and/or identify targeted areas for improvements
• Work with business, data analytics and other functions to calibrate country credit policy and enable dynamic prioritization of credit business
• Monitor credit performance metrics to identify issues, new and innovative credit processes or feature improvements and business growth opportunities
• Assist in designing and implementation of reports and performance measurement dashboards
• Manage collection team and continually update debt recovery processes, striving for continuous improvement in debt collections and credit control processes.

Qualifications

What Essential Skills You Will Need

• Education: Master’s or Bachelor’s degree, preferably in Statistics, Mathematics, or Economics.
• Experience: 8+ years of relevant work experience in credit policy or credit analytics.
• Technical Skills: Expertise in data models, data mining, and segmentation techniques. Proficiency in SQL for data query/manipulation and data visualization tools. Knowledge of programming languages like SAS, R, Python, SPSS, or Matlab for statistical analysis.
• Analytical Skills: Proficient in queries, report writing, and presenting findings.
• Adaptability: Comfortable thriving in an ambiguous environment and pushing frontiers.
• Self-Motivation: Self-driven and an independent learner willing to share knowledge with the team.
• Detail-Oriented: Efficient time management and attention to detail, thriving in a dynamic working environment. Prior experience in working with regulators is a plus.
  

Additional Information

Life at Grab
We care about your well-being at Grab, here are some of the global benefits we offer:We have your back with Term Life Insurance and comprehensive Medical Insurance.
With GrabFlex, create a benefits package that suits your needs and aspirations.
Celebrate moments that matter in life with loved ones through Parental and Birthday leave, and give back to your communities through Love-all-Serve-all (LASA) volunteering leave
We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through life's challenges.

What we stand for at Grab
We are committed to building an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer, we consider all candidates fairly and equally regardless of nationality, ethnicity, religion, age, gender identity, sexual orientation, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique.

Job Description

We are seeking a Credit Specialist responsible for managing arrears and collateral in alignment with credit policies, handling collections, disputes, and policy exceptions, and preparing financial reports for management. The role involves driving digital transformation by streamlining processes, supporting system enhancements, and improving workflow efficiency. Strong communication, negotiation, and data management skills (Excel, Power BI) are essential, alongside experience in CRM systems and a proactive, resilient approach to learning and problem-solving.

Job Responsibilities:

Arrears Management and Policy Compliance

• Work as part of a team responsible for arrears management and collateral management in accordance with Credit policies, monitoring and reporting credit positions to mitigate financial exposure and improve cash flow.
• Responsibilities include, but not limited to, liaising with customers and various internal stakeholders on collection issues, dispute handling, analysing policy exceptions, negotiating collection plans, provision for bad debts.
• Maintain and monitor credit aging positions and bad debts are kept within acceptable levels.
• Prepare aging reports and analysis (e.g. customer financial health assessment) that supports management oversight and decision-making.

Digitalisation and Transformation

• Drive operational excellence through process streamlining and digitalisation.
• Understand process and system flows, identifying gaps and opportunities to support growth towards more efficient and intuitive workflows and data flows, with time efficiency gains as one of the targeted outcomes.
• Document and update business process maps for knowledge transfer.
• Support system enhancement projects, which may include developing user requirements and participating in user acceptance tests.
• Support the delivery and implementation of new products and BAU enhancements requested by the business (for finance/credit workflows).

Preferred Attributes

• Diploma in Business or equivalent
• 3 to 5 years of relevant working experience in credit control and debt collection
• Well-organised with a systematic thought process.
• Strong communication and negotiation skills.

About the job

My client is high-tech powered growing finance service provider in South-east Aisa. They are hiring a senior professional with strong experience in credit risk assessment and credit approval.

Job Description:

• Evaluate SME loan applications by reviewing financial statements and developing credit approval processes and systems.
• Supervise daily credit operations, including SME loan onboarding and portfolio monitoring.
• Establish and maintain a credit risk management framework to ensure adherence to the bank’s risk appetite and regulatory guidelines.
• Develop and revise credit policies, manage product program schedules, and assist in launching new products and business initiatives.
• Formulate policies for loan origination, underwriting, and risk-based pricing for SME and retail lending.
• Continuously monitor risk profiles and industry trends, analyze portfolio performance, and recommend credit risk strategies.
• Participate in stress testing of credit portfolios and collaborate with teams on relief programs and new projects.
• Act as a backup for large corporate and Treasury credit analysis tasks.

Requirements:

• Minimum of 5 years of experience in SME loan credit approval and independent credit assessments.
• Bachelor’s degree in Business, Finance, or Statistics.
• Strong analytical skills with effective communication and presentation abilities.
• Detail-oriented, proactive, with expertise in credit risk and collections scorecards.
• Experience with portfolio monitoring tools (e.g., MS PowerPoint, PySpark/SQL) and familiarity with decision engines like PowerCurve is advantageous.

Job Description:

• Develop and maintain MIS reports to monitor key portfolio performance and advise management on risk profiles.
• Analyse portfolio performance, identify trends & drivers, draw insights and optimize the underwriting policies.
• Design and implement champion challenger mechanism to optimise the underwriting.
• Participate in credit portfolio stress testing on a regular basis to fulfill both internal and regulatory requirements.
• Lead delivery of credit risk system projects and/or tactical system changes,
• Administer credit rules, scorecards, limit assignments in retail and SME credit underwriting system(s), including the following: Administer risk data mart and conduct associated problem-solving
• Communicate issues/improvements relating to credit risk systems and data inputs/outputs, and act as primary liaison for vendor engagement, vendor management and onboarding
• Work closely with business team, dev, and other functions as necessary

Requirements:

• Bachelor’s degree and above in quantitative fields such as Business Analytics, Finance, Accountancy, Statistics, Quantitative Finance
• Internship experience or up to 3 years of working experience in a banking or fintech industry focused on credit risk or modeling
• Good Python, SQL, or VBA programming skills
• Familiar with MAS regulations such as MAS Notice 635, 656, 612, MAS Guideline on Risk Management Practices and other relevant regulations risk related portfolios

Reporting to the Credit Risk Models Manager, you will be focused on the development, deployment and monitoring of credit risk models. This will also cover the analysis model results and enhancement of periodic reporting on the models.

Job Responsibilities:

• Assist in the design, build and documentation of credit risk models.
• Support in the implementation, UAT and maintenance of credit risk models on production.
• Support in the review of credit risk models.
• Conduct regular model performance monitoring performance including the implementation of dashboards and identify areas for improvement.
• Generate and report model metrics to the Bank’s senior management, ensuring information is accurate.
• Work with data engineering and data governance to construct data pipelines to integrate new data feeds.
• Analysis of credit risk model results against past and expected trends to sufficiently explain key drivers.
• Leverage on alternative data sources to augment underwriting and credit risk models.

Job Requirements:

• Bachelor’s degree, preferably in Data Science, Computer Science, Mathematics or an equivalent quantitative area.
• Preferably at least one year of relevant experience in banking (preferably in a risk, business or product role for a retail lending portfolio).
• Familiarity with credit risk models and relevant regulations strongly preferred (Application Scorecard, Behavior Scorecard, Expected Credit Loss, IFRS9).
• Familiarity with the Singapore retail lending market and regulatory environment preferred.
• Proficient with MS Office suite or equivalent. (Familiarity with Google Workspace preferred.)
• Familiarity in machine learning frameworks and statistics preferred.
• Familiarity with Python and SQL is preferred.
• Ability to document processes and concepts in a clear and concise manner.
• Ability to document and troubleshoot errors.
• Attention to detail.
• Analytical mind and problem-solving aptitude.
• An enthusiastic team player who can figure it out, get stuff done, have fun and is excellent in communication and stakeholder management.

Reporting to the Head of Credit Risk, you will be focused on the analysis and reporting of credit risk metrics including key performance indicators of the retail lending portfolio. This will also cover the development and enhancement of periodic reporting and MIS for the broader business.

Job Responsibilities:

• Design, build, implement and maintain credit risk reports.
• Analyse and report portfolio KPIs to the Bank’s senior management, ensuring information is accurate.
• Analysis of credit risk data against past and expected trends to sufficiently explain key portfolio variance / performance drivers.
• Portfolio analysis, monitoring and reporting.
• Perform system UATs for credit risk-related systems (with a focus on reporting tools).
• Employ advanced analytics and data visualisation to support credit portfolio. management and business needs.
• Conduct regular portfolio performance analyses including limit utilisation and to identify segments for credit limit review.
• Work with Collections using customer repayment behaviour to identify the possibility of fraudulent applications, and escalate such cases to the Fraud team for investigation.
• Assist in building predictive models using machine learning to facilitate credit decisioning and early warning.
• Deploy, monitor, and maintain the models on production credit systems.
• Work with data engineers to construct data pipelines to integrate new data feeds.
• Advance the discussion on governance and assurance regarding the use of artificial intelligence and machine learning in credit risk applications.
• Provide analytical / statistical data to support recommendation to enhance credit policies, scoring, segmentation, simulation techniques and management actions to be taken.
• Provide inputs on test scenarios and using outcomes, provide recommendations to changes in parameter settings as well as changes in policies.
• Proactively engage the Credit Risk Managers on portfolio shape, trends and abnormalities in the portfolio movements.
• Assist in ongoing Credit Risk enhancement projects (vendor selection and management, systems implementations, etc.).

Our Ideal Candidate

• Bachelor’s or postgraduate degree, preferably in Data Science, Computer Science, Mathematics or an equivalent quantitative area.
• At least an intern or upto 3 years of relevant experience in banking (preferably in a risk, business or product role for a retail lending portfolio).
• Familiarity with the Singapore retail lending market and regulatory environment strongly preferred.
• Proficient with MS Office suite or equivalent. (Familiarity with Google Workspace preferred.)
• Proficiency in machine learning frameworks, Python and SQL
• Ability to produce high quality analysis using structured and unstructured data.
• An enthusiastic team player who can figure it out, get stuff done, have fun and is excellent in communication and stakeholder management.

About the job

FUJIFILM Business Innovation is a global leader committed to continuously deliver innovations to customers’ businesses worldwide, for creating innovative and fulfilling workplaces by effectively adopting information and knowledge through digital transformation (DX). We have pioneered numerous technologies and accumulated expertise since our establishment in 1962, to build an environment that encourages the use of one’s creativity to maximize organizational strengths. Our portfolio includes conducting R&D, manufacturing and sales of world-class workflow solutions, IT services, and printing equipment such as digital multifunction printers (MFPs). We also offer business process outsourcing (BPO) services as well as marketing and implementation support of Enterprise Resource Planning (ERP) systems.

On 1 April 2021, we have changed the company name from Fuji Xerox to FUJIFILM Business Innovation. More than just a name change, it embodies our commitment to continue as a company that always pursues business innovation.

PURPOSE:

You will be involved in credit risk, preparing credit reports to minimize financial risks by assessing the creditworthiness and analysing financial statements of the potential and existing clients.

The Role:

• Conduct credit analysis on existing or new customers within stipulated turnaround timeline before onboarding a new deal.
• Account creation for new customers.
• Process lease termination within stipulated timeline.
• Quarterly cleansing of SFDC and ITSS data/accounts.
• Assist on monthly reporting/presentations slides for Management meeting.
• Perform other ad-hoc based tasks related to credit team function including process improvement which involve UAT testing, creation/review of test scenarios, and engagement with project team on test reviews/feedback

Requirements:

• Diploma/degree holder in Business, Finance, Accounting or any related field
• At least 2 years' experience in credit management, with knowledge in finance operational matters and process implementations
• Proficient in Microsoft Office, with exposure to Oracle ERP preferred
• An excellent team player who is outcome and target focused
• Collaborative and comfortable negotiating with stakeholders to resolve issues
• Able to work under tight deadlines
• Meticulous and attentive to details

Only shortlisted candidates will receive a response. Therefore, if you do not receive a response within 14 days, please accept this as notification that you have not been shortlisted.

Morgan McKinley Pte Ltd

Rachel Heng

EA License No: 11C5502

Registration No: R23115318

• Financial Analysis and Reporting (BPS & MCS APAC Consolidation)Responsible for monthly sales and gross profit performance update and deep dive analysis by business line and by country
  Prepare/review rolling forecast on revenue, gross margin, operating expenses and full P&L
  
• Budgeting & Forecasting (BPS & MCS APAC Consolidation)Prepare annual budget and short- / medium-term forecasting
  Monitor and review with operation team the actual achievement vs. growth target for both revenue and profitability
  
• Business Partnering (MCS Japan, Korea, Hong Kong, Taiwan and China; BPS Japan and Korea)Contract/tender review, risk assessment on deals, trade debtor review, bank guarantee review, etc., in accordance with matrix
  Work closely with Sales, Marketing, and Customer Service in order to derive insightful analysis and build business plan
  Closely follow up on cash collection
  Drive new initiatives (ie profitability improvement) /process (ie efficiency, internal control etc.)
  Support business team on trading flow considering legal entity structure, tax, goods flow, PO flow, Incoterms, etc. to ensure both efficiency and compliance
  

• Oversees the finance, accounting and tax matters
• Prompt AR collection and AP scheduling of payments
• Monthly review and closing of consolidated accounts
• Preparation of SGX announcements half and full year results
• Preparation of Budgeting & Cash flow projections for the group
• Liaise with auditors and tax agents and bankers
• Any Ad-hoc duties assigned by Management

Requirement

• Preferably CA/CPA Holder
• Preferably with audit experience, Big 4 prior experience preferable
• At least 5 years of experience in similar capacity in listed companies
• Able to commence on short notice
• Able to work within tight reporting deadlines under a fast paced environment

Interested applicants, please send in detailed resume, including your last drawn/ current & expected salaries to HR Department

About Us

Green Link Digital Bank is Singapore's inaugural wholesale digital bank focusing on supply chain finance, mainly serving MSMEs, and aiming to help MSMEs grow and improve digitization.

We are looking for a Credit Admin to grow our business.

Responsibilities

• Ensure seamless processing of credit facility disbursement for loan products, Trade and Supply Chain Financing Products.
• Possess good drafting skills and be able to draft and/or vet letters of offers, ensuring that all approved terms and conditions for the banking facilities and the Bank’s standard requirements are accurately incorporated and adhered to.
• Verify that all loans are approved in accordance with the Bank’s Lending Authority Limits.
• Work with RMs and appointed solicitors to ensure that loan documentation complies with approved T&Cs and is properly executed.
• Ensure that all conditions precedents are properly met before facilities are implemented or availed, otherwise ensure proper approval obtained for all exceptions in accordance with preset guidelines.
• Provide support to business teams in credit transaction management such as setup credit facility into core banking system, monitor outstanding documentation, safe keeping of security and facility documentations.
• Perform limit monitoring to ensure approval is duly obtained for credit facility limit excess and overdue loans (if any) in accordance with the Bank’s policies and guidelines.
• Perform verification of covenants for compliance in accordance with the offer letter/facility agreement
• Assist to perform 1st level AML check for transactions, SWIFTs name screening.
• Provide cross functional support within the Operation Centre Department when required.
• Identify opportunities and initiate suggestions for improvement.
• Provide support for ad-hoc projects on behalf of the department and to participate in UAT testing.

Requirements

• Degree or Diploma Holder with 5-6 years of corporate banking working experience.
• Prior working experience in loan documentation unit is preferred.
• Meticulous and ability to work independently.
• Good interpersonal and communication skills with ability to multi-task while staying oriented.
• Technological orientation with proficiency in Microsoft Office (Word, Excel, PowerPoint) and MS Outlook.

Key Responsibilities:

• Provide in-depth and timely credit risk analysis, mitigation and recommendations to enable decision-makers to formulate well-informed decisions for new & existing loan portfolios (Singapore, Malaysia, China)
• Prepare loan synopsis & make recommendations for loan approval by senior management
• Perform loan portfolio analysis, industry analysis & market comparison studies
• Work closely with major stakeholders to ensure that day to day risk management issues are handled & addressed appropriately
• Assist in the implementation of workflows and systems in accordance with business strategies & policies relating to credit risk management;
• Ensure compliance with internal/external audit requirements & local regulatory requirements are met
• Work closely with Credit Evaluation team based in Singapore & China

Requirements:

• Minimum Bachelor Degree in Accountancy, Business Administration, Economics, Banking, Finance or related disciplines
• Minimum 5 years experiences in credit evaluation or relevant working experience will be required for this position
• Has a personal interest in financial markets & analysis; able to digest financial statements to form an informed analysis of an entity’s financial health
• Fluent and literate in both English and Mandarin language, must be able to interpret contracts in mandarin language for China market
• Proficient in reading and comprehension of English and Mandarin business documents
• Good understanding of the economy and business environment
• Strong analytical skill, meticulous & focused
• Self-motivated with the ability to work independently and under pressure to deliver results

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.

Key Responsibilities :

• Ensure Accounts Receivables are updated daily into the system and all documents is properly filled.
• Monitor and follow up with customers to ensure timeliness and effectiveness in collection and meeting of collection targets.
• Analyze customers’ payment pattern and trend.
• Ensure month end closing on Account Receivables are as scheduled.
• Conduct regular credit control reviews of key customers.
• Weekly reporting and meeting with the team to resolve any AR related issues.
• Prepare Debtor Aging Report, Debtor Statement, and other reports as deemed necessary.
• Follow up with Sales Team members on verbal orders.
• Undertake any other task as and when assigned.

Job Requirement :

• Diploma in Accounting / Business Administration
• Strong analytical skills and the ability to take initiative and prioritize
• Willing to work in fast paced and multi-task environment
• Good Microsoft Excel skills.
• Ability to meet deadlines and take-on new tasks and eager to learn

Job title – Finance Controller

Location – Singapore

Job model – Hybrid

Overseeing day-to-day accounting functions, integrating finance operations, forecasting, and budgeting, handling tax matters, preparing financial reports, and ensuring organizational financial stability.

At dsm-firmenich, being a force for good is not optional. Diversity, Equity & Inclusion is a shared responsibility woven into our daily work, benefiting to our People, Customers & Communities and driving business value. Equal access to opportunities is a given, belonging is a shared feeling, authenticity is celebrated.

Your key responsibilities

• Financial Reporting - Sanity checks financial data and analyze financial statements, including balance sheets. Ensure accuracy and integrity of financial data and compliance with accounting standards and resources are effectively allocated, and costs are controlled.
• Budgeting and Forecasting - Develop annual budgets in coordination with department heads and management. Monitor budget performance and variance analysis.
• Compliance and Risk Management - Compliance with relevant financial regulations and standards. Oversee internal controls and procedures to mitigate financial risks.Timely, accurate and complete filing of Statutory, GST and tax to local authorities. Knowledge of MES Renewal and AWSC is preferred.
  Co-ordinate with Auditors, Tax Agent and Corporate Secretary.
  Support MES renewal and AWSC activities.
  

We bring

• A space to grow by encouraging and supporting curiosity and an open mindset.
• A flexible work environment that empowers people to take accountability for their work and own the outcome.
• A firm belief that working together with our customers is the key to achieving great things.
• An eagerness to be one team and learn from each other to bring progress to life and create a better future.
• A supportive environment where you’re empowered to grow and share your ideas.
• An inclusive and multicultural team with respect for everyone.

You bring

• Degree/Diploma qualification in Finance, Accounting, or related field; CPA will be preferred. Minimum 6-8 years of relevant finance and accounting experience in multi-national companies environment.
• Strong knowledge and experience with local statutory requirements, tax regulations, and compliance standards in the relevant geographic regions where the company operates. This includes familiarity with local GAAP (Generally Accepted Accounting Principles) or IFRS (International Financial Reporting Standards).
• Collaboration: Collaborating effectively with cross-functional teams, including finance, accounting, operations, and other departments, to achieve common financial goals and objectives.
• Analytical Thinking: Applying analytical thinking and problem-solving skills to interpret financial information, identify trends, and make strategic recommendations based on data-driven insights.
• Adaptability and Flexibility: Adapting to changing priorities, market conditions, and business environments while maintaining focus on key financial goals and objectives.
• Problem-solving: Proactively identifying financial challenges, analyzing root causes, and implementing innovative solutions to address them, driving continuous improvement and efficiency in financial operations.

Equal opportunities commitment

dsm-firmenich is fully dedicated to inclusion because when people feel engaged and empowered, their creativity and innovation drives unprecedented progress. We aim to build a workplace where opportunity really is equal, so everyone can thrive. We do not discriminate: (here,) there’s a place for everyone with us.

dsm-firmenich is an Equal Opportunity and Affirmative Action Employer. Our people are as diverse as our customers. For us that includes a commitment to ensuring equal employment opportunities for all job applicants and employees. Employment decisions are based upon job-related reasons regardless of an applicant's race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, marital status, genetic information, protected veteran status, or any other status protected by law.

We are committed to providing reasonable support for disabled applicants in our recruiting process. Should you need assistance, and are comfortable to share this, please let us know.

About dsm-firmenich

As innovators in nutrition, health, and beauty, dsm-firmenich reinvents, manufactures, and combines vital nutrients, flavors, and fragrances for the world’s growing population to thrive. With our comprehensive range of solutions, with natural and renewable ingredients and renowned science and technology capabilities, we work to create what is essential for life, desirable for consumers, and more sustainable for the planet. dsm-firmenich is a Swiss-Dutch company, listed on the Euronext Amsterdam, with operations in almost 60 countries and revenues of more than €12 billion. With a diverse, worldwide team of nearly 30,000 employees, we bring progress to life™ every day, everywhere, for billions of people.

www.dsm-firmenich.com

Job Responsibilities

• Works collaboratively with Manufacturing Sales Unit team to address their business goals, initiatives and projects, including but not limited to operation improvement, ROI evaluation and NPD project modelling.
• Provides high-quality financial analysis and commentary for business performance reviews to support senior management making decisions for key business development opportunities
• Works closely with business teams and FEC for financial planning, budgeting and operation matters across all operation regions.
• Manages all aspects of budgeting, planning, and forecasting activities. Monitor budget execution and utilization. Perform evaluation on budget utilization and performance
• Seeks opportunities to systematic solution targeting for efficiency, data accuracy and promptness.
• Conducts decision-support analyses that provides real-time and accurate financial information draws insights from such analyses to make recommendations to the Management team, as well as relevant finance stakeholders
• Gets hands-on and influence others in resolving issues and exploring new opportunities as they arise.
• Supports any other ad-hoc projects.

Job Requirements

• Bachelor’s degree in Finance, Accounting, Business, Economics or equivalent
• At least 5 years of working experience in finance or relevant analytical field
• Demonstrated ability to translate strong technical capabilities into commercial judgement
• Independent and self-motivated in a fast paced and rapidly changing environment where new business initiatives are frequently introduced
• Be comfortable with large volumes of complex data and presenting findings to management
• Proven ability to meet tight deadlines and prioritise workload
• Curious in continuous learning and strong interpersonal skills with the ability to interact with multi-functional teams to drive the alignment and actions
• Excellent command of both spoken and written English
• Good know-how in MS Office and Power BI

Job Summary:

We are seeking a meticulous and analytical Credit Officer to join our auto finance startup. As a Credit Officer, you will play a vital role in assessing the creditworthiness of loan applicants, conducting thorough credit analyses, and ensuring the overall quality of our loan portfolio. Your role will involve evaluating credit risks, making informed lending decisions, and maintaining compliance with internal policies and regulatory requirements.

Responsibilities:

• Assess the creditworthiness of loan applicants by analyzing their financial statements, credit history, and collateral value.

• Conduct detailed credit analyses to evaluate borrowers' ability to repay loans and determine appropriate loan terms and conditions.

• Review loan applications and supporting documentation to ensure accuracy, completeness, and compliance with established lending guidelines.

• Analyze financial data, including income statements, balance sheets, cash flow statements, and tax returns, to assess applicants' financial stability.

• Verify applicant information and perform credit checks using internal and external sources.

• Collaborate with loan officers and underwriters to gather additional information and clarify any credit-related issues.

• Prepare comprehensive credit reports and present findings to management for loan approval or rejection decisions.

• Evaluate collateral valuation reports and assess the adequacy of collateral coverage.

• Monitor loan portfolios to identify early signs of credit deterioration, assess risk ratings, and recommend appropriate remedial actions.

• Stay updated on industry trends, market conditions, and regulatory changes affecting the auto finance industry.

• Ensure compliance with internal credit policies, procedures, and regulatory requirements.

• Collaborate with other departments, such as sales and collections, to address credit-related concerns and provide guidance.

• Maintain accurate and up-to-date credit files and documentation.

• Provide support during loan audits, examinations, and regulatory reviews.

• Assist in the development and enhancement of credit risk assessment models and tools.

• Participate in credit committee meetings and provide insights on credit-related matters.

• Continuously improve credit analysis processes and procedures to enhance efficiency and effectiveness.

Requirements:

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field (or equivalent work experience).

• Proven experience as a Credit Officer or in a similar credit analysis role, preferably in the auto finance industry or financial services sector.

• Strong understanding of credit risk assessment, financial statement analysis, and lending principles.

• Familiarity with credit analysis tools, techniques, and credit scoring models.

• Excellent analytical and problem-solving skills.

• Ability to make sound credit decisions and recommendations.

• Ability to manage multiple tasks and meet deadlines in a fast-paced environment.

• Strong ethics and integrity.

• Proficiency in using financial analysis software and MS Office Suite.

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.

Job Description:

• Design and drive implementation for Consumer and SME’s Loan Collection strategy, including but not limited to workflow design, phone collection, site collection, legal procedure, outsource management, etc.
• Conduct collection performance data analysis, monitor key performance indicators, present findings, and recommendation to senior management.
• Drive the Collection system development and ongoing enhancement.
• Enable to communicate technicality with PM/Developers/Other stakeholders
• Evaluate credit risk based on analysis of both quantitative and qualitative factors, and provide feedback to credit risk lifecycle optimization.
• Perform ad hoc credit risk analysis and portfolio deep dive when necessary

Requirements:

• Bachelor’s degree or above
• Over 3 year relevant experience in Bank Collections capacity, SME debt collection experience preferred
• Possess problem-solving, positive and constructive attitude
• Good knowledge and hands-on experience with legal actions for debt collection
• Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment
• Good data analysis skills, hand-on experience with SQL is a plus
• Strong interpersonal and communication skills

Overview

You will be working directly with cross-functional, cross-institutional business leads to analyse and improve the credit and collection practices for NUHS Cluster.

Responsibilities

• Conduct an end-to-end analysis on current credit and collection practices in NUHS Business Office Shared Services with the aim to improve collection rate.
• Work with institution’s Operation teams to improve, tighten and comply with upfront credit management practices for non-resident patients.
• Monitor inflight patient’s bill escalation for deposit top-up, collection of past outstanding bills, conference with patient / Next-Of-Kind / Doctor / MSW on patient’s financial affordability for complex cases.
• Follow up on Non-Residents bills post discharge, including liaise with Corporates and Insurance Companies on LOG, work with MOM, ICA or other statutory board for assistance on outstanding bills relating to foreign workers, prisoners and illegal immigrants, including initiate legal actions
• Manage and review outsourced partner (1FSS) work according to SLA – reminder letters, collection agencies, patient enquiries hotline, write-off paper
• Summarise and communicate to management team on key issues, risks and key performance indicators to manage the process of various measures
• Partner with Data Protection Office to develop and improve on existing controls and processes in compliance with PDPA Act
• Participate in projects and system implementation in term of controls and risk assessment on credit management
• Work closely with internal and external auditors

Requirements

• Possess a Degree in Accountancy/ Finance/ Business or the equivalent with at least 5 to 7 years’ experience in credit management, audit or compliance.
• Experience in healthcare industry will be an advantage.
• Proficient in Process Redesign, SAP and Microsoft Office suite
• Organized, detail-oriented and able to work independently
• Possess strong analytical and problem solving skills
• Good verbal communication and presentation skills
• Motivated, proactive and optimistic about challenges

Overall Job Purpose

To perform single or multiple specific tasks in developing and maintaining a cost control plan for a designated section of assigned project(s) or less complex assignments, and prepare relevant reporting and analysis to effectively and efficiently communicate project cost status at regular intervals.

Core Responsibilities

• Under the supervision of Lead Cost Controller or a direct report of this position, collate and compile the necessary information to support timely cost data consolidation and reporting.
• Understand the requirements of the approved cost control procedures and ensure proper implementation in the course of work.
• Develop and maintain detailed cost control plans using Company tools and best industry practices.
• Set-up Cost Breakdown Structure and allocate budget, resources, and any other data required into the system.
• Derive and consolidate the commitments and actual costs for one or more portions of the scope of work.
• Review, analyze and update accurate forecasts for one or more portions of the scope work by using best industry practices.
• Track budget variances and challenge budget owners on any deviation from approved cost baseline.
• Generate and distribute internal cost report for part or the entire scope of work on a regular basis and as per Company standards.
• Reconcile project cost reporting with accounting and financial records.
• Review subcontractors’ invoices for accuracy and completeness and ensure that costs are allocated with the correct coding.
• Review Change Order requests and/or potential variations that impact project budget and forecasts, and maintain appropriate register.
• Establish appropriate coordination with other project functions to ensure compatibility with the Cost Control requirements and timely flow of the information.
• Contribute and participate to the Project Risk Management process by providing cost input and identifying potential budget and forecast impacts for risks’ occurrences.

Educational Qualification:

• Degree in Engineering, Science, Business Management, or Operations Management
• 2 years of cost engineering experience in Oil & Gas industry (or) 5 years of cost engineering experience in other industries with understanding of technical knowledge of Oil & Gas process and FPSO projects familiarity with project management processes
• SAP (preferred) or other ERP system
• Microsoft Office Excel

This position reports to Financial Controller with one direct report in the costing Section.

Responsibilities:

• Liaise closely with the Food & Beverage Department on operational, inventory and cost related issues
• Set up the cost control system and cost category for each outlets.
• Evaluate the recipe submitted by F&B and prepare standard recipe costs, this also involves pre-costing all items in the Food & beverage menus. The determination of selling price is to be approved by the General Manager or House Subcommittee.
• Set up SOPs, check Store and Receiving to ensure the control policies and procedures are
• Complied with and to ensure the effectiveness of the control system.
• Supervise stocktaking process in stores, kitchens and bars.
• Ensure proper record keeping of inventories, track and audit all inventory processes.
• Investigate and trace any inventory discrepancies.
• Ensure accurate preparation of all documents associated with the movement of all food and beverage to/from the outlets.
• Responsible for accurate preparation of daily food and beverage cost reports.
• Preparation of all costing reports, ensure costs are allocated correctly to each outlet.
• Monitors food and beverage performance through analysis of F&B food covers, revenue and cost reports.
• Analyse variances between potential and actual costs and prepare potential cost and sales report for each outlet.
• Verify daily outlet void control sheets, control daily complimentary, FOC and business recovery
• transactions.
• Perform weekly audits on selected Bars, Kitchens and Store to control inventory variances and
• make recommendations for any weaknesses identified during the audits.
• Performs any other related duties that may be assigned from time to time.

Experience:

• 3 to 5 years of experience in a similar capacity

Education:

• Min Diploma in Accountancy/Management Accounting/Costing