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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.
Design & manage MIS & data 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
Establish and maintain risk monitoring structure and portfolio quality standards for consumer credit products
Apply risk analytics capabilities through use of analytics tools (including scorecards & risk models) integrate them into credit policies and portfolio quality management in close collaboration with the Credit Policy team.
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
Explore & drive use of data (including non-traditional data) in credit decisioning
Identify opportunities for continuous improvements and digitization in credit processes
Work in close collaboration with the Credit Policy team to:
Support new Business initiatives & proposals for incorporation into product programs
Engage business partners in regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
Support review of credit policies and program risk acceptance criteria regularly, with analytical insights of portfolio trends & performance
Drive portfolio management initiatives through the credit cycle management framework by jointly working in partnership with product managers, credit approval team, credit operations team and collection team
Work with team to streamline and automate MIS & reporting functions
Bachelor degree in any related field.
At least 5 years of exposure in consumer credit/lending, preferably covering both secured and unsecured lending with strong data analytics skill and ability.
Ability to analyse risk/reward dynamics of consumer products with use of data-driven analytics.
Good understanding of the mechanics and usage of statistical models/ scorecards for consumer products
All-rounded 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.