Snr Analyst, Gcb Credit Risk Analystics

2 weeks ago


Kuala Lumpur, Malaysia RHB Banking Group Full time

Working Hour
- Regular Hours
Monday - Friday- Business Area
- Risk & Credit Management- Location
- Malaysia - Kuala Lumpur- Description

**Primary Objective**:

- To be the functional support on portfolio management to minimize GCB portfolio credit losses, enhance risk-adjusted returns and ensure regulatory compliance.
- Develop and enhance MIS capability including routine reporting/dashboard, well organized credit information datamart, in depth MIS studies, reporting automation tools to ensure data integrity and accuracy of reporting and optimal decision making.
- Execution of policy rule management process and the quality throughout system development lifecycle.

**Key Responsibilities**:

- Accountable to oversight GCB acquisition and portfolio quality by periodic monitoring and portfolio management to minimize GCB portfolio credit losses, enhance risk-adjusted returns and ensure regulatory compliance.
- Periodic generation and monitoring of MIS reports on acquisition and portfolio performance to ensure pre-emptive risk control/mitigation actions and identify business issues.
- To continuously enhance the credit risk MIS capability including the internal and external data collection from centralized source, well organized credit information datamart, effective data mining methodology, simplification of analytical approach, identification of evolving risk segments, conduct of stress test, data automation and alignment of MIS reporting exercise with MFRS9 standards.
- Work closely with Policy Team to develop, review, execute and monitor the credit policies, risk management strategies and business strategies with in depth MIS studies and appropriate limit frameworks benchmarking against internal historical conduct, competitor and industry performance.
- To undertake credit risk reviews, to develop early warning indicators, to identify the higher / emerging risk segments and to mitigate credit risk exposure relating to loan acquisition and portfolio management activities.
- Collaboration with Policy Team to keep abreast of the new/latest changes of the lending/financing guidelines and to consistently review the effectiveness of the policy implementation.
- To actively engage Business, Credit, Collections, regional offices and related stakeholders to review the portfolio health and to propose necessary remedial actions via monthly discussion forum.
- To assure the quality of MIS deliverables, the compliance level towards the committed timeline and to timely share the insights with Business, Credit Underwriting and Collections via monthly engagement platforms.
- To involve in system enhancement and UAT related to GCB Risk Management.
- To assist the line manager and Head, GCB Credit Risk Portfolio Management in any task delegated / task assigned when required.
- To coach and guide junior team members when required.
- Requirements

**Requirements**:
Bachelor Degree - Any related field(s).
- =5 years in retail risk management or risk analytics

With knowledge of SAS, SQL, Python, BI tools

I. Able to manage stakeholder expectation
II. Able to analyze numbers and provide insights
III. Possess logical and analytical thinking
IV. Possess good communication & negotiation skills
V. Independent under mínimal supervision
- Benefits

Dental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays - Fridays, Casual Business Wear, Performance Based Rewards



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