Svp, Pfs Risk

7 months ago


Kuala Lumpur, Malaysia United Overseas Bank (Malaysia) Bhd Full time

**About UOB**:
United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices.

Our history spans more than 80 years. Over this time, we have been guided by our values — Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

**About the Department**:
The **Credit and Risk Management** function is comprised of three teams: Risk Management, Credit and Special Asset Management. We manage the risks arising from the Group’s business activities within the risk appetite established by the Board. This involves identifying and evaluating the risks, developing effective risk governance and strategies as well as providing independent assessment of the overall risk profile.

**Responsibilities**:
The Unsecured Credit Program Management is responsible for managing overall Cards & Personal Loans Portfolio related actions so as to maximize unsecured portfolio revenue stream with the right balance of risk/reward quotient.
These actions include (but not limited to):

- Driving Profitable Installment Lending through portfolio segmentation & pricing tests, customer targeting, competitor benchmarking, incentive mg.t and credit tests within Cards & Lending Products.
- Driving core balance growth & Installment ANR growth through the product & pricing segmentation of balance growth products, APR pricing tests, Product Upgrades/Conversions (with Product managers), credit tests for Total Cards & Consumer Lending products.
- Credit line management and customer life cycle management related actions.
- Formulate and drive going-forward digitalization strategy.
- Driving monthly/ quarterly analytics & testing to deliver an annual installment sales volume.
- Optimize and execute credit tests, pricing test & pricing decisions to identify opportunities to increase response rates for Total Cards and Consumer Lending products.
- Work with internal departments e.g. risk management, decision management, finance and sales to ensure marketing programs & test programs are properly executed in a timely manner with the approved strategies, policies, and marketing budgets.
- Monitor and report on key credit risk metrics to senior management.
- Prepare risk management presentations for senior management that include analytics on expected portfolio performance and areas of potential risk and/or opportunity.
- Acts as SME to senior stakeholders and /or other team members.
- Ensure compliance in all internal and external dealings with customers, partners and regulators.

**Job Requirements**:

- Minimum 15 years of experience in credit / risk management or equivalent training and experience preferably Cards and Personal Loans
- In-depth knowledge of Unsecured Portfolio credit risk management practices and regulations
- Demonstrated ability to synthesize and prioritize
- Proven ability to remain organized in a fast-paced environment
- Demonstrated interpersonal, organizational and analytic skills

**Be a part of UOB Family**:



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