Manager, SME Credit Policy & Portfolio Analytics

Job Purpose

1.    Review and maintain credit policy for SME product to ensure timely update and robust credit assessment.

2.    Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.

3.    Oversee and manage all matters related to SME portfolio management by conducting review and continuously improving credit analytics structure.

4.    Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank’s risk appetite.

Key Responsiblities

1.    In charge review of various credit / product programs and monitor underwriting standards to establish credit assessment robustness is within the bank’s risk appetite.

2.    In charge all credit policy changes are implemented and automated into credit system timely and accurately. Propose alternative when system automation is not possible.

3.    In charge portfolio analysis and screening exercise to effectively identify potential risk and opportunities in managing the portfolio.

4.    In charge  portfolio analysis and screening exercise to effectively identify potential risk  in managing the portfolio.

5.    In charge close monitoring of portfolio caps and triggers of various products to ensure portfolio health is maintained.

Experience/ Knowledge Required

Skills
•    Good credit and analytical skills in Banking industry
•    Good communication skills.
•    Strong working knowledge and understanding of analytics tools
• SAS & SQL.
• Other Programming language like C++, C#, Java, Python, MATLAB, R, VBA is an added advantage.

Knowledge
•    Sound knowledge of products, operations, policies and finance practices.
•    Tertiary education qualification in Statistic, Computer Science, IT, Actuarial Science, Finance, Mathematics or related discipline.

Experience
•    Preferably 3 to 5 years of related working experience & exposure in retail / business banking in the financial services sector.