Consumer Portfolio Analyst, Retail Policy & Portfolio Analytics (RCRA)

OCBC Malaysia; Malaysia; On-site; MYR 90,000 - 130,000; Full time

Benefits offered by this job

Competitive base salary

Holistic benefits package

Professional development opportunities

Community initiatives

Job summary

OCBC Malaysia invites a data analytics professional to prepare and deliver portfolio risk reports for senior management, including risk committees. You will collaborate with Risk, Collections, and Business teams to identify stress segments and optimize risk-return strategies.

You will support data infrastructure, migrate data, and help develop risk scorecards, dashboards, and digitalization initiatives to strengthen efficiency and decision making.

Qualifications

• Minimum 2-5 years of relevant experience in the banking industry.
• Bachelor’s degree in business studies, Statistics, or a related discipline.
• Proficient in SAS, Python, and Hadoop.
• Strong data extraction, mining, and analytical capabilities.
• Excellent communication and interpersonal skills.
• Prior experience in consumer banking products, Credit Risk MIS, or business analytics is an added advantage.

Responsibilities

• Prepare and deliver portfolio risk reports for Senior Management, including Board Risk Committees, Credit Committees, Regulators, and Group Office.
• Escalate promptly to Senior Management on emerging asset quality issues or deviations from predefined risk thresholds, triggers, and budgets.
• Collaborate with Risk, Collections, and Business teams to identify stress segments and opportunities to optimize risk-return strategies.
• Monitor and track performance of new product rollouts and evaluate their effectiveness against business objectives.
• Support data infrastructure initiatives including data migration, validation, and development of data marts.
• Contribute to development, monitoring, and periodic review of Risk Scorecards for predictive accuracy.
• Participate in process improvements, system enhancements, and digitalization initiatives to strengthen operational efficiency.
• Explore and assess alternative data sources to enhance credit decision-making processes.
• Proactively recommend data analytics tools and infrastructure improvements in line with digital transformation goals.

Skills

SAS

Python

Hadoop

Data analytics

Education

Bachelor's degree in Business Studies

Statistics

Job description

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.

Prepare and deliver portfolio risk reports in a timely and accurate manner for Senior Management, including Board Risk Committees, Credit Committees, Regulators, and Group Office. Escalate promptly to Senior Management on any emerging asset quality issues or deviations from predefined risk thresholds, triggers, and budgets. Collaborate closely with key stakeholders such as Risk, Collections, and Business teams to identify stress segments as well as potential opportunities to support optimal risk-return strategies. Monitor and track the performance of new product rollouts, evaluating their effectiveness and success against business objectives. Support data infrastructure initiatives within the department, including data migration, validation, and development of data marts. Contribute to the development, monitoring, and periodic review of Risk Scorecards to ensure their continued effectiveness and predictive accuracy. Participate in process improvements, system enhancements, and digitalization initiatives to strengthen operational efficiency. Explore and assess alternative data sources to enhance credit decision-making processes. Proactively recommend data analytics tools and infrastructure improvements in line with the Bank’s digital transformation goals.

Qualifications & Requirements

Minimum 2-5 years of relevant experience in the banking industry. Bachelor’s degree in business studies, Statistics, or a related discipline. Proficient in SAS, Python, and Hadoop. Strong data extraction, mining, and analytical capabilities. Excellent communication and interpersonal skills. Prior experience in consumer banking products, Credit Risk MIS, or business analytics is an added advantage. Self-motivated with a willingness to take on new challenges in a fast-paced environment.

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.

Let’s build the bank we need for the future we want. Find the best version of yourself in a friendly, supportive team. 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

As the longest established Singapore bank, formed in 1932 from the merger of three local banks, we have grown from strength to strength to become a regional financial services group. With a deep history in Asia, we offer the most comprehensive coverage across ASEAN and Greater China, complemented with a presence in the leading economies of New York, London and Sydney. We are the second largest financial services group in Southeast Asia by assets with one of the world’s highest credit rating (Aa1 by Moody’s and AA- by both Fitch and S&P). We offer private banking services through our wholly-owned subsidiary, Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals. Our insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia.