Senior Credit Risk Manager

10-12 Years

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Early Applicant

Job Description

To achieve risk-based credit competitive advantage within SG Bank by:-

Planning and implementing SG credit risk management process, in line with the Group's practices and policies
Rolling out Group-wide Credit Risk initiatives and ensure alignment to the Group's guidelines while accommodating SG industry practices where applicable
Ensuring credit risk related processes conform to prevailing regulatory requirements
Monitoring of credit cycles and changes in internal / external operating environment and identify gaps / mitigation plans where appropriate

Key Roles & Responsibilities

Conduct effective portfolio monitoring and review across key areas, including Stress Testing and Thematic Reviews, Early Warnings, Economic Capital Framework, and Risk Appetite Framework.
Actively collaborate with Head Office to support the development and refinement of local credit risk management practices, frameworks, and initiatives, ensuring alignment with Head Office requirements and industry best practices.
Partner with various lines-of-defense teams and Head Office risk counterparts to support comprehensive risk reviews processes that reinforce prudent risk management and sustainable business growth.
Manage the day-to-day BAU processes to ensure timely and accurate deliverables while driving process enhancement to improve the data quality and operational efficiency.
Assist in the preparations of reports and presentation materials for local and Head Office risk committees.
Monitor macroeconomic trends, market developments, regulatory changes, and credit-related events, assessing their potential impact on the portfolio and escalating key observations where appropriate.
Maintain a strong understanding of MAS and BNM regulatory requirements and assist with credit-risk related regulatory matters as required.

Job Requirements

Preferred level of Experience (by years / function / industry):

Minimum 10 years of experience in credit risk analytics or credit risk management function at an established financial institution.
Strong analytical skills with the ability to interpret complex data and identify key insights.
Proficiency in Microsoft PowerPoint and Microsoft Excel; familiarity with Excel VBA, Power Query, or Power Pivot is an advantage.
Strong knowledge of credit risk policies, risk management frameworks, and local regulatory requirements is preferred.

Other Skills Required