Job Description: 

  • Responsible for the overall credit risk environment of the digital bank, and integration of credit risk management considerations in key decision-points to achieve the digital bank’s growth and profitability objective
  • Lead and implement the credit risk management framework across the digital bank, which includes ongoing identification, assessment, monitoring and reporting of key exposures and risks, and the management of these key risks
  • Ensure an understanding of key credit risks and exposures among management, and facilitate responsible and effective risk-taking in line with risk appetite and tolerance
  • Work with business units in the identification of target markets and setting of industry risk acceptance criteria to drive portfolio construction and re-balancing, including managing credit concentration risk
  • Ensure sound credit portfolio quality through early identification of potential problem accounts for close monitoring and early remediation. This includes timely and appropriate classification of accounts to reflect the underlying credit risk
  • Assess and approve credit propositions/reviews to facilitate business growth without compromise on credit quality/standards through appropriate transaction structuring to mitigate/minimize risks
  • Promptly initiate ad-hoc review of any portfolio in response to events/developments that may have adverse impact on overall credit quality and follow-up on action plan to minimise/mitigate risk identified
  • Prompt monitoring and follow-up of excesses and overdue to minimise adverse impact on the underlying credit

Requirements:

  • Bachelor’s degree or higher from a worldly recognised university with good academic credentials
  • 6-12 years of relevant hands-on banking or fin-tech experience, handling credit risk related portfolios
  • Familiar with MAS regulations such as MAS Notice 635, 656, 639, 612, MAS Guideline on Risk Management Practices and other relevant regulations
  • Professional qualifications such as CA/ACCA/CPA/FRM would be advantageous
  • Strong Credit and Trade finance knowledge
  • 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
  • Knowledge in technology or data analytics
  • Strong interpersonal and communication skills. Able to converse in English and another ASEAN language to coordinate with internal stakeholders across the region

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