Manager – Credit Policy (Group Credit)

Job Responsibilities

• 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 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 opportunities and
  proactive risk management including new through-the-door booking
• 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.
• Respond to all queries from BNM or external audit to ensure pass audit and compliance

Job Requirement

• Tertiary education qualification in Banking / Finance or related discipline
• Preferably 5 years of related working experience & exposure in retail / business banking in the
  financial services sector
• Experience in working across consumer lending product
• Good credit and analytical skills in Consumer Banking
• Good interpersonal and communication skills
• Good policy writing skill
• Sound knowledge of products, operations, policies and finance practices in Consumer Banking
• Knowledge of credit life cycle