Head, Business Risk, Compliance & Projects, Cards, Group CFS

This position requires someone with the ability to:

• Lead the development of methodologies for measuring Credit Portfolio Management across MY and Regional countries for Cards and Personal Loans and associated models/ processes
• Support the Head of Regional Risk, Compliance and Projects in enhancing and reviewing Group Cards Credit Policies & Standards to ensure alignment with the best practices
• Strengthen the Credit Reporting & Monitoring framework to meet the requirements of various external & internal stakeholders
• Ensure timely and accurate delivery of Credit Risk reports, analyse findings and provide recommendations to Senior Management
• Contribute requirements and design inputs on credit risk recognition, measurement and reporting, as part of the core team responsible for implementation of key credit risk related projects (e.g. Basel, FRS 9)
• Provide expert inputs on credit policy, procedure and Credit Risk analytics. Support MY and Regional Countries during credit risk model development and on-going maintenance
• Assess and recalibrate statistical models or off the shelf Credit Risk models as needed
• Facilitate development of Application scorecard, Behavioral scorecard, cut off score settings and asset quality management.

Requirement:

• Extensive experience in Credit Risk Management, including credit portfolio analytics, credit policy development, scorecard management, and risk reporting.
• Strong analytical and quantitative capabilities, with the ability to assess portfolio performance, develop methodologies, and provide data-driven recommendations to senior management.
• Expertise in Credit Risk Analytics and Modelling, including application scorecards, behavioural scorecards, model development, validation, recalibration, and asset quality management.
• Working knowledge of regulatory and risk frameworks, such as Basel, FRS 9, credit risk measurement, monitoring, and reporting standards.
• Strong leadership and stakeholder management skills, with the ability to lead cross-functional initiatives, influence regional stakeholders, and work independently with minimal supervision.
• Excellent communication and interpersonal skills, with the ability to articulate complex risk concepts effectively in both written and verbal formats.
• Experience in regional or multi-country portfolios involving Cards and Personal Loans would be an advantage.
• Proficiency in Python or other analytical tools for credit risk analytics, reporting, and model development is highly desirable.
• Demonstrated ability to drive strategic risk initiatives and transformation projects, while ensuring alignment with industry best practices and organizational objectives.