Manager, SME Credit Policy
2 weeks ago
Job Purpose
- Review and maintain credit policy for SME product to ensure timely update and robust credit assessment.
- Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
- Oversee and manage all matters related to SME portfolio management by conducting review and continuously improving credit analytics structure.
- Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank's risk appetite.
Key Responsiblities
- In charge review of various credit / product programs and monitor underwriting standards to establish credit assessment robustness is within the bank's risk appetite.
- In charge all credit policy changes are implemented and automated into credit system timely and accurately. Propose alternative when system automation is not possible.
- In charge portfolio analysis and screening exercise to effectively identify potential risk and opportunities in managing the portfolio.
- In charge portfolio analysis and screening exercise to effectively identify potential risk in managing the portfolio.
- In charge close monitoring of portfolio caps and triggers of various products to ensure portfolio health is maintained.
Skills
Experience/ Knowledge Required
- Good credit and analytical skills in Banking industry
- Good communication skills.
- Strong working knowledge and understanding of analytics tools
- SAS & SQL.
- Other Programming language like C++, C#, Java, Python, MATLAB, R, VBA is an added advantage.
Knowledge
- Sound knowledge of products, operations, policies and finance practices.
- Tertiary education qualification in Statistic, Computer Science, IT, Actuarial Science, Finance, Mathematics or related discipline.
Experience
- Preferably 3 to 5 years of related working experience & exposure in retail / business banking in the financial services sector.
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