Manager - Personal Financial Services Credit (Policy Credit Planning & Strategy)

Hong Leong Bank; Malaysia; On-site; MYR 120,000 - 180,000; Full time

Job summary

Hong Leong Bank in Malaysia seeks a Policy Credit Planning & Strategy Manager to align credit policies with regulatory requirements and growth objectives. You will drive portfolio performance through data analysis and lead digital transformation projects to automate credit evaluation across consumer and small business lending.

The role reports to the Head - Personal Financial Services Credit (Credit Policy & Strategy Planning).

Qualifications

• Degree in a relevant field.
• Minimum 5 years of credit management/credit risk experience.
• Chartered Banker Level 1 certification from AICB preferred (not mandatory).

Responsibilities

• Review PFS credit policy to ensure regulatory compliance and align with lending direction for growth while preserving asset quality.
• Perform portfolio analysis and ongoing portfolio management to strengthen credit performance.
• Lead/support digital and AI transformation initiatives for credit evaluation and risk/policy enhancements across products.
• Conduct risk and compliance control testing and address audit queries.
• Act as Business Unit Compliance Representative (BUCR) and Operational Risk Representative (ORR).

Skills

Credit risk analysis

Credit policy understanding

Regulatory compliance

Data analysis

Education

Degree in Economics, Finance, Statistic, Mathematics, Computer Science or equivalent

Job description

If you are looking to excel and make a difference, take a closer look at us... Overview: The Policy Credit Planning & Strategy manager is responsible for reviewing and aligning PFS credit policies with regulatory requirements and growth strategies to ensure high asset quality.

You will drive portfolio performance through data analysis and lead digital transformation projects to automate credit evaluation. This role will report to the Head - Personal Financial Services Credit (Credit Policy & Strategy Planning).

Responsibilities

• Review PFS credit policy to ensure compliance to regulatory requirement and the Bank's lending direction for growth whilst maintaining asset quality.
• Perform portfolio analysis and continues portfolio management to strengthen credit portfolio performance.
• Contribute to digital and AI transformation initiative by leading/ supporting system enhancement projects for credit evaluation in relation to credit risk/ policy across all products.
• Perform risk and compliance control testing and address audit query/ related matters.
• Assumed the role of Business Unit Compliance Representative (BUCR) & Operational Risk Representative (ORR).

Skills & Experience

• Education/Qualification possess a Degree in Economics, Finance, Statistic, Mathematics, Computer Science or equivalent.
• Minimum of 5 years of credit management and credit risk experience with good knowledge about consumer banking / small business lending products and process.
• Not mandatory but preferably with minimum Level 1 Chartered Banker Credit certification from AICB.

For more job opportunities, please go to HLB Careers: https://hlb.wd3.myworkdayjobs.com/HLBCareers/

About Hong Leong Bank

We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China. We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our "Digital at the Core" ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation.

Hong Leong Bank ("HLB") stands proudly as a leading financial services institution based in Malaysia, providing a wide range of comprehensive and innovative financial solutions across the region. These services are delivered through both digital and traditional means, via online and mobile banking, as well as our digital branch concept to provide customers with an efficient and seamless experience aided by technology.

As the service and financial landscape changes rapidly with the ever-increasing use of technology, staying attuned to customers needs and desires becomes even more critical to HLB’s operations. To stay ahead of these dynamic changes, the Bank has adopted the approach of reimagining banking by embedding digital considerations and customer centricity in every aspect of our operations, from products and services as well as customer care and engagement. HLB’s ethos of being Digital-At-The-Core powered by customers-at-the-forefront will continue to lead us to innovate offerings in line with our aspiration of being a highly digital and innovative financial services organization.