A growing digital bank is currently hiring an experienced Credit Risk Team Lead in Singapore. Backed by a financially strong parent group and experienced leaders, this is an fantastic opportunity for the right individual to grow his/her career. No work visa sponsorship is provided!
- Bachelor's degree or above from a recognised University
- 15 to 20 years of full-time professional experience in credit risk management, experience in Small Medium Enterprises portfolio preferred
- People management experience
Responsibilities:-
- Lead credit risk management for Corporate, Institutional and Small Medium Enterprises across regional markets, ensuring alignment with Group risk appetite and standards.
- Develop, implement and maintain credit risk policies, frameworks, and underwriting standards
appropriate for diverse regulatory environments across the region.
- Assess and approve complex and large credit proposals, ensuring appropriate structuring,
collateralization, and sectoral risk mitigation.
- Monitor portfolio performance and concentration risks across industries and geographies,
conducting regular stress tests and scenario analyses.
- Ensure compliance with regional regulatory requirements while maintaining consistency with
Group-wide risk governance and Basel standards.
- Provide consolidated reporting and insights on portfolio trends, risk drivers, and early warning
signals to regional senior management and Group committees.
- Collaborate with business teams across countries to balance growth opportunities with prudent credit discipline, driving consistency in credit decision-making.
- Contribute to the enhancement of internal rating models, sector risk frameworks, and credit risk systems to reflect regional market conditions.
- Mentor and guide in-country risk professionals, promoting knowledge sharing and capability
development across markets.
Requirements:-
- Bachelor's degree in any quantitative field: Finance, Economics, Accounting, or related discipline;
- Postgraduate qualifications or certifications (CFA, FRM, CPA) preferred.
- At least 8 years of experience in banking credit risk management, with strong exposure to
Small Medium Enterprise clients.
- Proven expertise in credit analysis, financial modeling, and portfolio risk management across
multiple industries.
- Strong understanding of regional regulatory environments and cross-border credit risk
governance, as well as Basel III/IV and IFRS 9 standards.
- Experience in managing regional or multi-jurisdictional credit portfolios, with ability to navigate varying market conditions and regulations.
- Demonstrated ability to engage with senior management, experience working with MAS and business partners across different countries.
- Well verse in risk management systems and analytical tools; familiarity with SQL, Python, or SAS is an advantage.
- Strong leadership skills with experience in developing and mentoring teams across multiple
markets.
- High integrity, critical thinking, and strategic judgment in balancing business growth with sound risk management.
