Retail CDE Manager

4 days ago


Klang, Selangor, Malaysia GXS Bank Full time
Retail CDE Manager (Malaysia Shared Service)

About GXS Bank: We are living in dynamic times. Technology is reshaping how we live, and we want to use it to redefine how financial services are offered. GXS Bank is the leading technology company in Southeast Asia offering everyday services to the masses. We are committed to building a diverse and inclusive workplace where everyone can thrive and contribute their unique perspectives. Join us in our mission to provide financial inclusion for people in our region.

We are now expanding our operations with the establishment of a Shared Services Entity in Malaysia - Neo Services Sdn Bhd (NEO), to support our growth and operational excellence. NEO will centralize key functions such as Customer Services, Banking Operations, and Credit Operations; enabling scalable solutions that align with our vision, agility, and efficiency.

About the Role:

Based in Malaysia, this role is part of the Credit Risk team. The role's primary responsibility is to maintain the Credit Decision Engine ("CDE"), i.e. configure the business rules relating to regulatory requirements and credit policy for origination and account management for retail (consumer) lending.

Responsibilities:
  • Design, implement (configure), test, and deploy origination and account management business rules in the CDE.
  • Conduct analyses of the bank's credit portfolio to identify risks and opportunities. Identify potential test programs or enhancements to the bank's credit policies for origination and account management for retail lending.
  • In consultation with the Compliance team and the Retail Credit Risk Manager, ensure that all regulatory requirements pertaining to retail lending are correctly configured into the CDE.
  • Maintain complete and accurate documentation of the CDE configuration. Support debugging activities pertaining to the CDE.
  • Work with the Data Engineering, Tech, and Product team to ensure seamless integration of data from various sources into the CDE.
  • Monitor the performance of the CDE. Generate and analyze reports to track key performance indicators and decision outcomes.
  • Work closely with internal teams such as Credit Risk, IT, Data Science, and Compliance to gather requirements, validate changes, and ensure alignment with business objectives.
  • Identify and resolve any issues or anomalies within the CDE.
  • Set and maintain the design standards for the CDE (e.g. naming conventions).
  • Manage the CDE team. Provide guidance to the team, and ensure that standards are adopted consistently.
  • Provide training and support to team members and stakeholders to ensure understanding and effective use of the CDE.
  • Stay abreast of industry trends, best practices, and technological advancements in credit decisioning.
Qualifications:

Bachelor's degree in Finance, Economics, Computer Science, or a related field.

Required Skills:
  • Minimum eight years experience in credit risk management, particularly in managing credit decisioning engines.
  • Strong technical skills, including knowledge of programming languages such as Java, Python, SQL, or other relevant tools.
  • Understanding of data integration, data management, and quality assurance processes.
  • Excellent analytical skills with the ability to interpret complex data and make data-driven decisions.
  • Strong problem-solving skills and the ability to troubleshoot and resolve technical issues.
  • Effective communication skills with the ability to collaborate with cross-functional teams.
  • Knowledge of regulatory requirements related to credit risk and lending practices.
Preferred Skills:

An enthusiastic team player who can figure it out, get stuff done, have fun and is excellent in communication and stakeholder management.

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Other

Industries

Banking

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