Job Description:

Position Title :

Unsecured Credit Risk & Portfolio Management Manager

Department : RMG Group Consumer Credit & Singapore Consumer Credit

Job Purpose:

- Design & manage consumer credit policy and MIS analytics standards to control portfolio quality through the credit cycle

- Cultivate & maintain a consistent consumer credit culture in the Bank to achieve best-in-class standards

Key Accountabilities:

- Establish and maintain relevant credit policies, risk monitoring structure and portfolio quality standards for consumer credit products

- Integrate credit policies and portfolio quality management with risk analytics capabilities through use of analytics tools including scorecards and Basel II risk models

- Ensure loan acquisition strategies are based on risk/ reward balance, with alignment to business strategies and in compliance with relevant regulations

- Drive continuous improvements in analytics capabilities and enhancements in the use of risk models & analytics tools

- Identify opportunities for continuous improvements in credit processes

Job Duties & responsibilities:

- Lead in the preparation & implementation of product programs

- Engage business partners in regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions

- Review credit policies and program risk acceptance criteria regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance

- Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit approval team, credit operations team and collection team

- Ensure adequate awareness of key risk controls in credit processes

- Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems

Experience:

At least 10 years of exposure in consumer credit/ lending, with focus on unsecured lending. Experience in secured lending would be an added advantage.

All-round understanding of consumer loan products and credit cycle management framework, including product structure/ packaging, regulatory requirements, consumer lending business & market dynamics, key risk & revenue drivers, product profitability, performance analysis.

Job Type - PERMANENT

Job Time - PERMANENT

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