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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
Support sound credit risk management and achieve optimal level of risk-reward balance for CBG portfolio
Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with internal controls and regulatory standards
Perform portfolio analysis, monitor portfolio performance and proactively manage emerging risks due to macro-economic and regulatory changes.
Ensure robustness in portfolio stress testing methodology and processes.
Engage proactively with stakeholders from Business, Business Analytics, Credit Approval, T&O (Cr-Ops), etc
Ensure credit risk management are in line with business strategy, risk appetite, group and country policies/ standards and regulatory requirements.
Support Credit Digitalisation projects.
Job Duties & Responsibilities
Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
Facilitate and perform regular and ad-hoc credit portfolio quality review.
Identify opportunities/ gaps to improve data quality and existing reporting processes
Apply analytics and data mining techniques using credit data and alternative data sources to monitor and analyse portfolio performance as well as dimension risk vs. reward balance on a regular basis.
Validate and identify opportunities for optimizing acquisition and portfolio management through portfolio performance analysis.
Analyse portfolio performance to assess risks and opportunities to maximize product profitability.
Conduct portfolio stress testing to establish portfolio risk tolerance.
Establish credit methodology to derive customer level income and max indicative secured credit limit using banking and credit bureau data.
Provide UAT support for any data migration or MIS platform enhancement to ensure successful implementation.
Degree holder, preferably in risk management/ quantitative discipline with at least 3 years of relevant experience in financial sector
Relevant working experience in statistics, data analytics and/ or project management
Knowledge of SAS, R and/ or Python programming with strong command of Microsoft Office.
Good understanding and knowledge of credit cycle management in a consumer credit environment preferred
Team-player with good inter-personal, communication & writing skills
Meticulous with strong analytical and problem-solving skills
Seek to understand stakeholder's point of view and find win-win solution
Motivated and self-driven
Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognizes your achievements.