Manager, Consumer Credit Policy & Portfolio Analytics

JOB PURPOSE:

1. Creation of new credit policy for new Consumer product to ensure compliance to BNM guideline and internal bank’s risk appetite.
2. Review and maintain credit policy for Consumer product to ensure timely update and robust credit assessment.
3. Implement and make changes to credit system accordingly to ensure all credit policy rules are automated and deployed timely and accurately.
4. Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
5. Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank’s risk appetite by proposing and implement relevant credit strateg

KEY RESPONSIBIITIES:

1. Ensure timely review of various credit / product programs and monitor underwriting standards to establish credit assessment robustness is within the bank’s risk appetite.
2. Ensure all credit policy changes are implemented and automated into credit system timely and accurately. Propose alternative when system automation is not possible.
3. Deal with various stakeholders, i.e. Underwriters and Business Users before finalizing and implementing any policy changes to ensure clear communication and readiness from all party before any changes is implemented.
4. Conduct portfolio analysis and screening exercise to effectively identify potential risk and opportunities in managing the portfolio.
5. Close monitoring of portfolio caps and triggers of various products to ensure portfolio health is maintained and recommend appropriate action plan to enhance risk parameters if required.