Report directly to the Head of Unsecured Lending Risk and manage a team of credit analysts to closely monitor portfolios performance and implement actions to optimize risk-reward outcome
Validate and refine the Risk Appetite Framework (RAF), and assure acquisition and portfolio management strategy are well defined and focused in line with Business Strategy and RAF
Develop, monitor and optimize utilization of various credit decision tools such as Credit Scorecards, Segmentation Models, Credit Bureau, Decision Engine etc. for credit assessment, portfolio actions and safeguard portfolio quality to optimize risk and reward trade-off per RAF and corporate hurdles
Riding on advanced risk analytics to manage and optimize end-to-end consumer credit cycle including product development, policy formulation and implementation, account management
Closely monitor economic & social environmental factors that have would impact to portfolio credit performance and develop proactive mitigation actions
Ensure all credit processes are in compliance with company policies and requirements set out by the local as well as lead regulator through effective execution of control programs such as self-assessment, Quality Assurance Framework (QAF), Manger and Control Awareness process
Coordinate with Credit Bureau to oversee and manage the end-to-end bureau process such as data contribution, regular bureau scrub, data integrity check, validation on effectiveness of bureau attributes and scores
Collaborate with other functions such as Product, Credit operations, Technology etc. to drive various business initiatives and proper execution on risk control and portfolio actions
Build and maintain high level of engagement in the unsecured portfolio risk team. Identify, train and develop high potential staffs to build bench-strength
Qualifications
Bachelor or Post-graduate degree in Business or other related quantitative disciplines
Minimum 10 years of portfolio risk management experience in unsecured lending products with proven track record in team management
Experience in credit scorecard and decision engine management
Self-initiative, good communication, interpersonal skills and ability to motivate others, strong sense of compliance awareness
Highly analytics and ability to proactively manage evolving challenges is a must
Requirements
Qualifications
Bachelor or Post-graduate degree in Business or other related quantitative disciplines
Minimum 10 years of portfolio risk management experience in unsecured lending products with proven track record in team management
Experience in credit scorecard and decision engine management
Self-initiative, good communication, interpersonal skills and ability to motivate others, strong sense of compliance awareness
Highly analytics and ability to proactively manage evolving challenges is a must