Responsibilities
- Support the development and ongoing enhancement of retail credit risk frameworks covering credit card underwriting and portfolio management.
- Assist in drafting, maintaining, and implementing credit card-specific credit risk policies, underwriting criteria, and controls in line with regulatory and internal requirements.
- Work closely with risk modelling and analytics teams to support the development, validation, and monitoring of retail credit risk models (e.g. Basel, ECL), including data preparation and analysis
- Perform ongoing credit card portfolio monitoring, including approval rates, risk grade migration, delinquency trends, early warning indicators, vintage analysis, and concentration monitoring.
- Support risk appetite and limit management for credit card portfolios through limit tracking, stress testing analysis, and regular reporting.
- Partner with underwriting, business, and product teams to support credit card strategy reviews, policy changes, new product launches, and portfolio optimisation initiatives.
- Produce analytics and recurring risk reports to support credit card underwriting decisions, portfolio performance tracking, and management review.
- Prepare materials for internal stakeholders and governance forums, summarising credit card portfolio performance, underwriting outcomes, key risk metrics, and emerging risk themes.
Requirements
- Bachelors or above in a Quantitative field (Eg. Statistics, Financial Engineering, Quantitative Finance, Mathematics, Data Analytics) at a reputable university with strong academic credentials.
- Relevant experience (e.g., full-time/part-time/internship) in retail credit products, such as credit cards and unsecured personal loans, or other financial risk domains is a plus.
- Open to candidates across experience levels, including entry-level and experienced professionals.
- Proficiency in data and analytical tools such as SQL and Excel.
- Familiarity with credit card-relevant credit risk concepts, including scorecards, Basel, ECL, and stress testing, through coursework, research, internships, or working experiences.
- Strong analytical and problem-solving skills, with the ability to translate portfolio data into clear, actionable insights.
- Ability to work independently, manage multiple tasks, and operate effectively in a fast-paced, structured environment
- Strong written and verbal communication skills.
Note:
Kindly note that you can only be considered for one role at a time with any of the companies within our group. If you have applied for other jobs with the group, you will be considered for roles in the order of your application
