Senior Executive, Consumer Credit Portfolio Analytics

Alliance Bank; Kuala Lumpur; On-site; MYR 90,000 - 150,000; Full time

Job summary

Alliance Bank is seeking a skilled policy professional to lead the development and maintenance of consumer credit policies in line with BNM guidelines and the bank's risk appetite. You will implement changes to the credit system, conduct portfolio analyses, monitor risk parameters, and coordinate with underwriters and business users to ensure timely, compliant policy updates across products.

This role supports governance and compliance within the consumer lending portfolio and liaises with

Responsibilities

• 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.
• 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.

Job description

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

Location:

Kuala Lumpur, MY, 50450

Category: Permanent

Facility: 3507

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.