Associate Director - Credit Risk Policy

Job Title: Associate Director ,Consumer Unsecured-WRB CRM CoE

Job Summary

You are invited to build and enrich your risk management career with the Wealth and Retail Banking Risk Management team. In this role focused on banks proprietary unsecured lending products:

You will be responsible for developing, managing and implementing policies and procedures to drive sustainable risk and reward trade-offs for the bank working together with country risk and analytics teams

The scope of your responsibilities will encompass a specific region which may include GCNA(Greater China and North Asia), South Asia, ASEAN, or AME(African and Middle East).

You will be partnering with business units and broader risk management departments to assess data and business partnerships, data sufficiency, and appropriate modelling approaches.

You will have the opportunity to bring innovative ideas to life and challenge existing practices towards improving the precision of our risk assessments on the unsecured lending portfolio.

You will be part of a team which analyses and builds risk strategies and the financial models to predict credit risk performance as part of assessing growth and mitigation opportunities for the bank. These experiences build our risk management learnings, and you will be charged with propagating the best practices for portfolio growth and optimizing the credit risk in collaboration with our global markets

Skills and Experience

Credit Risk underwriting and portfolio management policy

Unsecured product acquisitions and existing account credit risk strategy

Credit strategy ,performance analysis ,and credit loss/impairment forecasting

Collections and fraud management

Risk modelling concepts ,metrics and usage

Digital payments and fintech capabilities

Qualifications

Atleast7years'workexperienceintheFinancialServices Industry

Appropriate academic training in a quantitative discipline such as Statistics, Operational Research and Economics; Minimum BA/BS degree. Appropriate post-graduate degree(eg. MBA) is desired

Knowledge of data analysis programming languages such SAS programming or Python (note that this role will not be coding as a normal part of the responsibilities)

Strong working knowledge and understanding of credit risk analytics and scorecards, Basel, customer management & collections, policies and Credit Initiation functions

Good knowledge regarding Unsecured products, policy and governance framework

Strongproblem-solvingskillswithabilitytomakeindependentdecisionsandwithcredibilityand confidence

Strong English communication skills-both oral and written. Critical to influencing across the organization

Possess fundamental so leadership behavior