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Credit Risk Management - Digital Banking

SeaMoney Singapore
Posted 3 days ago Permanent Competitive
I
Posted by
Isabel Chan
Recruiter

Job Responsibilities

Credit Underwriting & Monitoring

  • Propose and implement credit strategy for retail and SME loan underwriting
  • Propose and implement obligor level credit conditional monitoring and early warning triggers for retail and SME loan
  • Conduct portfolio monitoring and analysis on concentration risk and asset quality
  • Set up loan grading and ECL staging criteria of loan portfolio
  • Prepare and analyse risk reports such as portfolio performance, industry exposure, vendor performance and historical customer trends
  • Coordinate with modeling team on risk tools development including decision scorecards and ECL/Basel models
  • Support conceptualisation development for new credit products suitable for retail and SME markets
  • Track and monitor the full credit cycle performance and risk appetite metrics.
  • Evaluate and influence to balanced business growth in the form of policy refinement and credit testing
  • Support countries through analysis to formulate policy and portfolio management to improve profitability
  • Support country with portfolio deep-dive analyses and provide insights with recommendations on policy changes to improve portfolio quality.
  • Support the development and growth into new strategic segments e.g. mass market.

Credit Collection

  • Recommend collections policies and strategies that will result in reducing delinquency roll rates and losses
  • Set up internal restructuring and write-off rules
  • Analyse collections and operations strategies and tactics, with a view to develop and implement tests designed to improve collections and overall operational effectiveness
  • Effectively report on and communicate impact of collections strategies, including test results
  • Collaborate closely with Operations management and teams to implement collections strategies, including process improvements and technology enhancements

Requirements

  • Bachelors or above in a quantitative field (e.g.: Statistics, Financial Engineering)
  • Relevant hands-on banking or fin-tech experience, handling credit risk related portfolios
  • Familiar with regulations in South East Asia markets
  • Professional qualifications such as CA/ACCA/CPA/FRM would be advantageous
  • Strong Credit and Trade finance knowledge
  • Expert knowledge on risk areas, banking products, services and systems
  • Problem-solving, positive and constructive attitude is a must
  • Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment
  • Proficiency in data analytics/science tools such as Python, SAS, SQL etc. Experience with Big Data and AI/ML algorithms is preferrable.
  • System knowledge at implementing strategies / models is a plus.
  • Strong interpersonal and communication skills.
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