Senior Executive, Consumer Credit Policy & Portfolio Analytics

Alliance Bank; Kuala Lumpur; On-site; MYR 90,000 - 130,000; Full time

Job summary

Alliance Bank is seeking a qualified professional to review and validate credit policies in line with BNM guidelines, and to automate these rules within our credit systems. You will monitor portfolio performance and refine analytics to balance growth with prudent risk management.

The role requires strong analytical skills in consumer banking, proficiency in SAS/SQL, and experience with multiple programming languages. Collaboration across risk, business, and compliance teams is essential.

Qualifications

• Experience in consumer banking analytics.
• Strong communication and interpersonal skills.
• Proficiency in SAS and SQL.
• Knowledge of programming languages (C++, C#, Java, Python, MATLAB, R, VBA) is advantageous.
• Tertiary education in Statistics, CS/IT/Finance/Math or related discipline.

Responsibilities

• Review and validate new credit policy for compliance with BNM guidelines.
• Automate credit policy rules in systems and ensure timely deployment.
• Monitor portfolio performance and improve credit analytics structure.
• Conduct portfolio analyses to identify risks and opportunities.
• Ensure data-driven, compliant credit decisions supporting portfolio quality.
• Collaborate with risk, business, operations, and compliance teams to optimize policies.

Skills

Credit analytics

Interpersonal communication

Analytics tools

Programming languages

Education

Statistics/CS/IT/Actuarial/Finance/Math or related

Tools

SAS

SQL

MATLAB

R

VBA

Job description

Select how often (in days) to receive an alert:

Location: Kuala Lumpur, MY, 50450

Category: Permanent

Facility: 3116

JOB PURPOSE:

• Review & validate of new credit policy for new Consumer product to ensure compliance to BNM guideline and internal bank’s risk appetite.
• Implement and make changes to credit systems accordingly to ensure all credit policy rules are automated and deployed timely and accurately.
• Oversee and monitoring of portfolio performance by conducting review and continuously improve credit analytics structure to ensure healthy portfolio is maintained within the bank’s risk appetite by proposing and implement relevant credit strategy.
• Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
• Ensure credit decision are consistent, data-driven, and compliant, while supporting sustainable portfolio quality and profitability.
• Collaborate closely with risk, business, operations, and compliance teams to optimize credit policy or strategies, monitoring emerging risks, and recommend policy enhancements that balance growth with prudent risk management.

KEY RESPONSIBIITIES:

• 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 and automated 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 potential risk and opportunities in managing the portfolio.
• 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.
• Manage ad-hoc tasks and support project initiatives as required, ensure timely delivery, effective coordination with stakeholders, and alignment with business objectives.
• Respond to all queries from BNM or external audit to ensure pass audit and compliance.

Skills:

• Good credit and analytical skills in Consumer Banking
• Good interpersonal and communication skills.
• Strong working knowledge and understanding of analytics tools,SAS & SQL.
• Other Programming language like C++, C#, Java, Python, MATLAB, R, VBA is an added advantage.

Knowledge:

• Sound knowledge of products, operations, policies and finance practices.
• Tertiary education qualification in Statistic, Computer Science, IT, Actuarial Science, Finance, Mathematics or related discipline.

Experience:

• Preferably 5 years of related working experience & exposure in retail / business banking, analytics in the financial services sector.