Credit Risk Management Analyst, Digital Bank

3-5 Years

Job Description

Job Description

Propose and implement credit strategy for regional products
Conduct and execute stress testing and ICAAP exercises.
Provide governance oversight across SEA markets.
Propose and implement obligor level credit conditional monitoring and early warning triggers for regional products
Conduct portfolio monitoring and analysis on concentration risk and asset quality
Prepare and analyse regional level risk reports such as portfolio performance, industry exposure, vendor performance and historical customer trends
Coordinate with modeling team on risk tools development including decision scorecards
Support conceptualisation development for new credit products suitable for regional products
Track and monitor the full credit cycle performance and risk appetite metrics.
Evaluate and influence to balanced business growth in the form of policy refinement and credit testing
Support countries through analysis to formulate policy and portfolio management to improve profitability
Support country with portfolio deep-dive analyses and provide insights with recommendations on policy changes to improve portfolio quality.
Support the development and growth into new strategic segments e.g. mass market.
Collaborate closely with collection team and feedback on collections policies or strategies that will help in reducing delinquency roll rates and losses

Requirements

Bachelors or above in a quantitative field (e.g.: Statistics, Financial Engineering)
Minimum 3 years working experience on credit risk domain and relevant hands-on banking or fin-tech experience, handling credit risk related portfolios
Professional qualifications such as CA/ACCA/CPA/FRM would be advantageous
Expert knowledge on risk areas, banking products, services and systems
Problem-solving, positive and constructive attitude is a must
Self-motivated and detailed oriented team player who is able to multitask in a fast-paced environment
Proficiency in data analytics/science tools such as VBA, SAS, SQL etc. Experience with Big Data and AI/ML algorithms is preferrable.
System knowledge at implementing strategies / models is a plus.
Strong interpersonal and communication skills.