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Manager, Consumer Credit Policy & Portfolio Analytics

Salary undisclosed

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Job Purpose

  • Creation of new credit policy for new Consumer product to ensure compliance to BNM guideline and internal bank’s risk appetite.
  • Review and maintain credit policy for Consumer product to ensure timely update and robust credit assessment.
  • Implement and make changes to credit system accordingly to ensure all credit policy rules are automated and deployed timely and accurately.
  • Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
  • Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank’s risk appetite by proposing and implement relevant credit strateg

Key Responsibiities

  • Ensure timely review of various credit / product programs and monitor underwriting standards to establish credit assessment robustness is within the bank’s risk appetite.
  • Ensure all credit policy changes are implemented and automated into credit system timely and accurately. Propose alternative when system automation is not possible.
  • Deal with various stakeholders, i.e. Underwriters and Business Users before finalizing and implementing any policy changes to ensure clear communication and readiness from all party before any changes is implemented.
  • Conduct portfolio analysis and screening exercise to effectively identify potential risk and opportunities in managing the portfolio.
  • Close monitoring of portfolio caps and triggers of various products to ensure portfolio health is maintained and recommend appropriate action plan to enhance risk parameters if required.
Job Purpose

  • Creation of new credit policy for new Consumer product to ensure compliance to BNM guideline and internal bank’s risk appetite.
  • Review and maintain credit policy for Consumer product to ensure timely update and robust credit assessment.
  • Implement and make changes to credit system accordingly to ensure all credit policy rules are automated and deployed timely and accurately.
  • Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
  • Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank’s risk appetite by proposing and implement relevant credit strateg

Key Responsibiities

  • Ensure timely review of various credit / product programs and monitor underwriting standards to establish credit assessment robustness is within the bank’s risk appetite.
  • Ensure all credit policy changes are implemented and automated into credit system timely and accurately. Propose alternative when system automation is not possible.
  • Deal with various stakeholders, i.e. Underwriters and Business Users before finalizing and implementing any policy changes to ensure clear communication and readiness from all party before any changes is implemented.
  • Conduct portfolio analysis and screening exercise to effectively identify potential risk and opportunities in managing the portfolio.
  • Close monitoring of portfolio caps and triggers of various products to ensure portfolio health is maintained and recommend appropriate action plan to enhance risk parameters if required.