Senior Executive, Consumer Credit Portfolio Analytics

Alliance Bank Malaysia Berhad; Kuala Lumpur; Sur place; MYR 120 000 - 160 000; Plein temps

Résumé du poste

Alliance Bank Malaysia Berhad is seeking a policy and portfolio risk specialist to support the development and maintenance of consumer credit policy in line with BNM guidelines. You will ensure timely updates, robust assessments, and automation of policy rules within the credit system.

The role involves portfolio health monitoring, risk identification, and collaboration with stakeholders to implement changes and respond to audits, ensuring compliance with internal and external requirements.

Qualifications

• Experience in maintaining consumer credit policy.
• Ability to assess portfolio health and risks.
• Experience coordinating with stakeholders to implement policy changes.

Responsabilités

• Ensure credit policy changes are implemented and automated into the credit system timely and accurately.
• Collaborate with Underwriters and Business Users before finalising policy changes.
• Conduct portfolio analysis to identify risks and opportunities.
• Monitor portfolio caps and triggers to maintain health and adjust risk parameters as needed.
• Respond to inquiries from BNM or external audits to ensure compliance.

Connaissances

Credit policy

Portfolio analysis

Stakeholder management

Risk assessment

Description du poste

• Involved in new credit policy for new Consumer product to ensure compliance to BNM guideline and internal bank's risk appetite.
• Maintain credit policy for Consumer product to ensure timely update and robust credit assessment.
• Implement and make changes to credit system accordingly to ensure all credit policy rules are automated and deployed timely and accurately.
• Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
• Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank's risk appetite by proposing and implement relevant credit strategy

Job Purpose

• Involved in new credit policy for new Consumer product to ensure compliance to BNM guideline and internal bank's risk appetite.
• Maintain credit policy for Consumer product to ensure timely update and robust credit assessment.
• Implement and make changes to credit system accordingly to ensure all credit policy rules are automated and deployed timely and accurately.
• Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
• Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank's risk appetite by proposing and implement relevant credit strategy

Key Responsibilities

• 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.
• Support in responding to all queries from BNM or external audit to ensure pass audit and compliance.