Primary Objective:


Key Responsibilities:

Credit Risk

• Develop sound and effective credit policies and decision process to support business growth
• Regularly review credit policies that in line with the risk-taking appetite of the organization
• Collaborate and provide inputs to Data Science Team in developing and/or enhancing credit model and scoring

Credit Origination and Assessment

• Managing credit approval across all financing products
• Evaluate and make sound credit decision on financing application submitted by business unit
• Ensure credit assessment and decision is in accordance to the credit policies approved
• Perform financing recommendation to Senior Management and/or Risk Committee in accordance to Limit of Authority

Credit Analytics and Reporting

• Tracking of loan growth and asset quality and/or performance
• Perform independent analysis to detect potential weakness in the portfolio, composition and concentration risk that could lead to increase of overall credit risk levels

Credit Collection

• Managing problem credits which includes implementing collection strategies from pre to post non-performing financing
• Engage with Debt Collection Agencies to optimize collection and bad debt recovery
• Detect warning signs of account deterioration and initiate negotiation with customer for restructure/reschedule financing or recalling the credit facilities

Risk Management Committee (RMC)

• Secretary of RMC

Lead the presentation of credit information to the committee

Requirements:
Bachelor Degree - finance, business, economics, accountancy, banking or related discipline..

• AICB certification; Certified Credit Professional (Business) or Bank Risk Management

Dental, Education support, Miscellaneous allowance, Medical, Loans, Sports (e.g. Gym), Parking, Vision, Regular hours, Mondays - Fridays, Casual Business Wear, Performance Based Rewards