Corestrat Capital PTE LTD Hiring for Credit Risk Manager at Bangalore Full Time

Credit Risk Manager / Location – Bangalore, Singapore or Malaysia

Responsibilities:

● Work together with business stakeholders to design and implement new strategies for unsecured lending products. Partner with business stakeholders to roll out initiatives related to digital banking response.

● Perform necessary portfolio analyses and credit performance forecasts and review financial propositions with business counterparts to ensure sustainable good growth. Support new business growth and product launches.

● Liaise with various stakeholders including technology support units, credit operations and other parties to roll out credit initiatives as approved by top management and evaluate their effectiveness over time.

● Responsible for ad hoc analysis/MIS to support policy updates and refinement.

● Responsible for monitoring of the economic environment and working with the policy counterparts to propose appropriate containment actions to maintain portfolio quality during economic crisis periods. Fine tune policies as appropriate.

● Perform periodic monitoring and analyses of portfolio performance to ensure that sound portfolio quality is maintained.

● Responsible for application of policy and underwriting principles

● Ensure that regulatory and credit risk policy requirements are being embedded in the design and continuous monitoring to ensure adherence

● Working with stakeholders to develop monitoring tools such as reports, real-time alerts, etc and implement processes for monitoring, escalation and governance.

● Propose appropriate Risk Appetite measurement (metrics) to the Management Risk Committee for endorsement

● Anticipate forward looking risks, proactive engagement with management and develop mitigation actions to reduce the risks,

● Support the portfolio management activities such as tracking, monitoring, and analysing the full credit cycle performance and risk appetite metrics of the lending portfolios.

● Support the bank’s credit testing program launches, that balance risk and return within the parameters stipulated in the approved program.

● Participate in credit decision engine testing and implementations as part of bank initiatives or system enhancements.

● Support credit bureau data management activities related to timely submission to Credit Bureau Singapore (CBS), data quality standards and process controls.

● With the use of credit bureau data, support the establishment of a robust credit analytic framework to identify early warning signals, credit risk process inputs and customer segment risk factor(s).

Job Requirements

● At least 6 to 10 years of working experience in a retail banking role preferably in a credit risk policy, MIS and portfolio management capacity.

● Good understanding of the regulatory landscape related to financial loan products.

● Analytical mind, good communication and presentation skill is required as the candidate will need to communicate with seniors for policy changes etc.

● Meticulous and self-motivated and able to produce end results.

● Familiar with portfolio monitoring techniques and tools, Basel capital rules.

● Knowledge of scorecards and Basel II model is preferred.

● Knowledge of FICO Blaze Advisor or Decision Manager is preferred.

● Degree holder with background in Business and Finance or Statistics.

Role holder will

● Have the opportunity to work with various parties of the bank including products, sales, operation, collection, modelling and governance to support business growth opportunities in Singapore.

● Have the opportunity to work on the bank’s new product/ service projects through partnership This will cover end-to-end credit cycle review including underwriting, portfolio monitoring and collection management for newly designed financial products.

● Have the opportunity to work together with the bank’s credit policy manager and analysts for the review of in-production credit policies and its enhancement.

● Be able to learn how a Credit Risk Decision Framework is developed, monitored, and managed.

● Support the credit bureau data management operations activities and learn the working mechanism between each financial institution and credit bureau.

Support generation and verifications of monthly Credit Bureau upload and performing investigations on customer

Job Type: Full-time

Benefits:

• Flexible schedule
• Health insurance
• Paid sick time
• Provident Fund

Schedule:

• Day shift

Ability to commute/relocate:

• Banglore, Karnataka: Reliably commute or planning to relocate before starting work (Required)

Experience:

• ten: 6 years (Preferred)