Business Function Risk Management Group (RMG) is responsible for the development and maintenance of risk management and internal control frameworks. We provide independent review and challenge to business to ensure that appropriate balance is considered in risk/return decisions. In addition, RMG is responsible for the monitoring and reporting on key risk issues of the Bank. To manage risk effectively and deliver strong financial performance, we invest significantly in our people and infrastructure.
Leverage on analysis of both internal customer and credit bureau data to facilitate the formulation and setting of credit strategies and portfolio actions across various business sectors.
Enhance existing risk governance framework such as improving quality assurance framework as well as performance policy governance and monitoring critical trigger.
Perform portfolio management and profitability analyses of various product portfolios
Review delinquency portfolio on net flow, payment pattern as well as vintage to identify early earning triggers to mitigate risks
Review from credit bureau in facilitating and/or making recommendation on formulation of credit strategies and portfolio actions for different customer segments from various loan products
Analyze acquisition and performance data in facilitating and/or making recommendation on formulation of credit strategies for acquisition of target customer segments
Support policy initiatives in response to business needs and changed economic environment
Review delinquency portfolio analysis for different loan products, understanding new flow situation and credit performance in facilitating the projection of delinquency, write-off and credit provision
Review vintage & portfolio analysis for maintaining/improving asset quality as well as projection of credit provision
To perform ad hoc analysis as required from time to time
Bachelor Degree or above major in Statistics / Finance / Business Administration
Minimum 10 years relevant experience in Consumer Banking or credit risk management
Proven working experience as credit policy manager or credit risk manager
Good product knowledge in consumer lending product. Additional knowledge on investment lending product is preferred.
Knowledge in statistics and proficiency in SAS and knowledge in Python, Qliksense and Alteryx is preferred.
Strong analytical skills with the ability to collect, organize, analyze, and disseminate information with attention to detail and accuracy
A team player to work with other credit units / other departments in result delivery
Good command in both written and spoken English
Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements. We regret only shortlisted candidates will be notified.