We invite applications for the critical role of AVP/VP, Credit & Risk within our rapidly expanding financial institution in Singapore. This pivotal position offers a unique opportunity to significantly influence the organization's risk profile and directly support our strategic expansion within the competitive Singaporean financial sector. We seek a highly seasoned, proactive, and analytical professional to spearhead the formulation, deployment, and oversight of comprehensive credit and risk frameworks across our varied product suite.

Job Responsibilities

1. Credit Risk Management

Lead the underwriting team responsible for credit assessment and decision-making for SME clients.
Develop, enhance, and implement comprehensive credit policies, robust underwriting standards, and formalized approval frameworks.
Review and authorize credit proposals in accordance with delegated authority; submit larger exposure requests to the Credit Committee for recommendation and approval.
Oversee meticulous borrower due diligence, encompassing detailed financial analysis, scrutiny of bank statements, and comprehensive credit bureau assessments.
Establish the credit appetite, define concentration limits, and determine risk-adjusted pricing methodologies.
Ensure timely and high-quality credit decisions, balancing risk management with business objectives.
Utilize data-driven tools, scorecards, and alternative data sources to enhance risk assessment accuracy and efficiency.

2. Portfolio and Risk Monitoring

Institute effective credit monitoring procedures to systematically track borrower performance, analyze repayment trends, and identify potential early warning indicators.
Conduct regular portfolio stress testing, perform rigorous scenario analysis, and recommend appropriate corrective and preventative actions.
Supervise the management of Non-Performing Loans (NPLs), formulate restructuring strategies, and direct recovery actions as necessitated.
Monitor prevailing industry and macroeconomic risks that may adversely influence portfolio quality.

3. Regulatory Compliance and Governance

Ensure strict adherence to all relevant Monetary Authority of Singapore (MAS) regulations (e.g., requirements pertaining to Expected Credit Loss (ECL), and the Internal Capital Adequacy Assessment Process (ICAAP)).
Prepare and deliver comprehensive, periodic risk reports to senior management, board committees, and regulatory bodies.
Maintain meticulous, audit-ready documentation to satisfy regulatory requirements and internal control standards.

4. Leadership and Stakeholder Management

Lead and mentor the credit and risk team to consistently strengthen analytical capabilities and enhance the quality of decision-making.
Collaborate strategically with business development units to maintain an optimal balance between risk appetite and strategic growth objectives.
Serve as the representative for the Risk and Credit function in the Credit Committee and all senior management forums.
Proactively champion a robust, risk-aware culture across the entire organization.

Requirements:

Bachelor's degree (Finance, Accounting, or Economics mandatory) with min. 10 years progressive experience in credit risk management at established FIs, banks, or reputable fintech lending platforms.
Strong technical knowledge of specialized lending (SME, trade finance, invoice financing, working capital).
Familiarity with MAS frameworks and credit risk methodologies (ICAAP, stress testing, portfolio analytics).
Proven leadership managing teams and influencing key stakeholders (internal/external).
Exceptional analytical, problem-solving, and data-driven decision-making skills.
Strategic outlook coupled with deep risk management expertise.
Highly proficient in financial analysis and sophisticated credit structuring.
Highly effective communication and professional presentation skills.
Ability to reconcile commercial growth with prudent risk management; unwavering integrity, governance, compliance, and transparency commitment.

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