AVP, Portfolio Risk Analytics & Reporting

WHO WE ARE:

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

Purpose of the role:

This position is responsible for the design, development, testing, and maintenance of systems, with a primary focus on migrating the loan origination system and credit decision engine.

What you will be doing:

• Conduct portfolio analytics for both secured and unsecured consumer lending products, delivering regular reports and actionable insights to management.

• Establish and review the risk trigger on an annual basis and continuously monitor portfolio performance against these risk thresholds to identify and address potential risks proactively.

• Design, implement and maintain the Line Assignment Matrix to ensure proper credit line allocation aligned with risk appetite and business objectives.

• Collect and analyze financial and operational data to evaluate risk exposure and forecast expected returns, supporting strategic risk management.

• Monitor exception approvals, track the usage of exception caps and limits, analyze portfolio performance, review justifications for high-side/low-side overrides and activate the portfolio reviews or underwriting revisions for any beach in trigger level.

• Support digital transformation initiatives in alignment with the Bank’s requirements and the Group’s strategic plan.

• Analyze large datasets to identify trends and patterns that enhance risk management decision-making.

• Stay up to date with industry trends, regulatory requirements, market statistics and best practices, leveraging this knowledge to drive continuous improvement in risk management frameworks and processes.

• Design cutoff strategies for the use of credit scores to support business and collections decisions.

Who we are looking for:

• A degree holder in Information Technology, Computer Science, Risk Management, Mathematics or Statistics.

• 5 to 10 years of experience in the financial industry with a strong focus on consumer lending and proven expertise in credit risk management, including risk assessment and mitigation strategies.

• Experienced in developing programming solutions to streamline reporting processes and proficient in analysing consumer credit data to inform lending decisions.

• Strong understanding of regulatory compliance, market statistics and industry best practices in consumer finance.

• Strong technical skills, including programming skills in SQL and Python. Knowledge of Power BI is an advantage.

• Excellent analytical and problem-solving abilities, with the capability to translate complex technical concepts into clear, actionable insights for non-technical stakeholders.

• A collaborative mindset, working effectively with diverse stakeholders across the organization

• A solid understanding of risk management principles and practices within consumer lending.

• Proficiency in both written and spoken English and Chinese

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What we offer:

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.