Retail Credit Policy Lead — Risk & Growth

OCBC company; Kuala Lumpur; On-site; MYR 180,000 - 260,000; Full time

Benefits offered by this job

Competitive base salary

Flexible benefits

Professional development opportunities

Job summary

OCBC Malaysia in Menara OCBC is seeking a Retail Credit Policy Manager to lead end-to-end policy governance within Risk. You will oversee timely review and renewal of credit policies, ensuring alignment with regulatory and Group standards, and implement local policy fit-for-purpose.

The role requires a Diploma/Degree in accounting/finance, at least 3 years banking experience, and strong analytical and communication skills to collaborate across Business, Risk and Compliance.

Qualifications

• A recognized Diploma or Degree in Accounting, Finance, Commerce, Economics, Business or related discipline.
• Minimum 3 years of relevant banking experience, preferably in retail lending or credit risk management.
• Strong analytical and quantitative skills with good knowledge of statistical techniques and portfolio analytics methodologies.
• Good interpersonal and communication skills (written and verbal) with ability to engage effectively across stakeholders.
• Detail-oriented with a strong focus on quality and service excellence.

Responsibilities

• Oversee and ensure a robust end-to-end policy management framework within the Risk function.
• Manage timely review and renewal of credit policies to ensure risk standards and practices remain relevant and aligned with regulatory and business requirements.
• Ensure adherence to applicable Group policies, including timely adoption and clear identification of material deviations.
• Develop, implement, and maintain local credit policies that are fit-for-purpose and address local risk exposures and regulatory expectations.
• Establish and enforce disciplined policy governance with clear communication across stakeholders.
• Engage with stakeholders across Business, Risk, and Compliance to ensure policies are practical and implementable.
• Monitor portfolio-level risk indicators to identify potential problem accounts early and mitigate losses.
• Develop and drive portfolio management strategies, particularly for higher-risk segments, to optimise risk-return outcomes.

Skills

Analytical skills

Quantitative skills

Communication skills

Stakeholder engagement

Education

Diploma or Degree in Accounting, Finance, Commerce, Economics, Business

Job description

OCBC Malaysia in Menara OCBC is seeking a Retail Credit Policy Manager to lead end-to-end policy governance within Risk. You will oversee timely review and renewal of credit policies, ensuring alignment with regulatory and Group standards, and implement local policy fit-for-purpose.

The role requires a Diploma/Degree in accounting/finance, at least 3 years banking experience, and strong analytical and communication skills to collaborate across Business, Risk and Compliance.