Manager, Credit Policy Planning

2 weeks ago


Kuala Lumpur, Malaysia Hong Leong Bank Full time

If you are looking to excel and make a difference, take a closer look at us
- Key responsibilities and Accountabilities:

- Credit Policy:

- Review and update PFS Credit Policies from a risk perspective (credit, operational, regulatory compliance) as well as process flow efficiency and effectiveness.
- Establish / streamline / enhance the underwriting criteria for new and existing PFS products ( Mortgage, Hire Purchase, Credit Card, Personal Loans, Share Margin Finance, ASB) or tactical programs for Malaysia and Singapore market.
- Portfolio Management & Analysis:

- Develop and track product performance for risk monitoring and ensure specific programs/ portfolios are within the required capping in terms of approving limit or delinquency performance.
- Recommend policy tightening or loosening based on reviews of portfolio performance, customer profiling/segmentation, including banking transactional data, learning from test programs and exceptions bookings.
- Automation & Digitalization:

- To initiate or support both new and enhancement projects that have relevance to credit risk / policy for more effective risk & credit management purpose, including system developments and performing UAT.
- Develop / continuous enhancement on straight-through decisioning capability.
- Control & Compliance:

- Ensure policies and SOP are compliant with regulatory guidelines.
- Conducting independent reviews and controls to strengthen governance within the department, identifying possible gaps/ breaches and implementing controls.
- Jobholder Requirements:

- Requirements_
- Malaysian citizen
- Education/Qualification_
- Bachelor's degree or above (preferably in Finance, Banking, Accounting, Actuarial Science).
- Experience_
- Able to understand and explain data in terms of portfolio asset quality.
- Minimum 3 years of experience in banking industry, with exposure to credit risk management.
- Minimum 3 years of experience in driving / supporting loan origination system enhancement or process re-engineering scope (Preferably familiar with straight-through credit decisioning).
- About Hong Leong Bank_
- We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China._
- We seek to strike a balance between diversity, inclusion and merit to achieve our _
- mission of infusing diversity in thinking and skillsets into our organisation._
- are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. _
- Expanding on our “Digital at the Core” ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation._


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