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Business Function Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure Job Purpose This is a role in Consumer Banking Group ("CBG") Regional Credit team, supporting Head - Consumer Credit Regional Strategy, Risk Transformation, Credit System & Infrastructure and COO in driving key strategic business priorities pertaining to consumer lending Acquisition (horizontally with CBG Business) and Credit Initiation, to achieve robust consumer credit risk management capabilities, scalable operating effectiveness and quality business growth. Key Accountabilities
Strong Consumer Business Acquisition and Credit Initiation management, to implement industry heightened-standards experience in managing healthy consumer lending products (secured and unsecured) & best-in-class processes
Regional "gold standard" on Credit Initiation practices and processes for all key consumer lending products
Standardised and cohesive digital acquisition roadmap & agenda across all consumer lending markets along with CBG Regional Credit team (who provides country/product oversight)
Job Duties and Responsibilities Strategic Consumer Business Acquisition (For All Consumer Lending Products)
Drive business initiatives/projects and new technologies/ecosystem partnerships related to acquisition and credit initiation at regional level and across locations/markets.
Advocate horizontal organisation by working with other regional function heads (Senior Credit Officer providing country/product oversight, Governance, Policy, Portfolio Management, Collection) and CBG Business to build effective collaboration and implementation of business and functional objectives.
Establish relevant playbooks to promote consistency of quality standards in risk assessment and implementation pertaining to Business Acquisition.
Collaborate with other Risk Management Group ("RMG") units, Technology and CBG Business Units to drive cohesive innovation / digital capabilities and deliver new credit value propositions across locations/markets.
Regional Credit Initiation Oversight
Set and drive heightened standards on consumer credit lending (specifically on Credit Initiation), in line with best practices in the industry, including analytics and data-driven approach.
Establish Credit Initiation playbooks to support consistent implementation of Group / Regional Credit Initiation policies and standards.
Steer continuous improvement in efficacy & efficiency of Credit Initiation processes specifically on:
Adherence to credit underwriting policies and processes
Collateral, appraisal and third-party management
Usage of Credit Bureau and alternative data for underwriting
Participate actively in regular Acquisition and Existing Customer Management (ECM) performance reviews with local/regional Credit, Fraud, Group Portfolio Analytics and Business stakeholders, to reinforce strategic priorities, pollinate good practices and share learnings across locations.
Lead Credit Initiation initiatives/projects on digitisation or automation to facilitate operational efficiency within CBG Credit, as well as enhance end-to-end customer and employee journey.
Required Experience The candidate should have at least 12 years of proven experience in regional consumer lending Business Acquisition and/or Credit Risk Management (focusing on Credit Initiation). Candidate should also preferably have strong knowledge of digital consumer journey. Core Competencies
Excellent influencing skills with a collaborative nature
Proven leadership skills and ability to manage conflict/complex situations (including making tough decisions)
Data Analytics - Drawing & Formulating insights from data. Data driven mindset
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.