Senior Executive/Manager, SME Credit Policy & Portfolio Analytics

Alliance Bank; Kuala Lumpur; On-site; MYR 60,000 - 80,000; Full time

Job summary

A prominent bank in Malaysia is seeking a skilled banking professional responsible for reviewing credit products and ensuring compliance with policy changes. The candidate should have a strong background in credit assessment as well as excellent analytical skills. A minimum of 3 years of experience in retail or business banking, along with a relevant tertiary educational qualification, is necessary for this role that involves monitoring portfolio health and adhering to the bank's risk appetite.

Qualifications

• Minimum 3 years of experience in retail/business banking.
• Strong working knowledge of analytics tools.
• Sound knowledge of products, operations, policies, and finance practices.

Responsibilities

• Oversee credit assessment robustness within the bank's risk appetite.
• Ensure timely implementation of credit policy changes.
• Conduct portfolio analysis to identify potential risks and opportunities.
• Monitor portfolio health by tracking caps and triggers.

Skills

Credit and analytical skills

Communication skills

SAS

SQL

Programming languages (C++, C#, Java, Python, MATLAB, R, VBA)

Education

Tertiary education qualification in Statistics, Computer Science, IT, Actuarial Science, Finance, Mathematics or related discipline

Job description

Key Responsiblities

1. In charge review of various credit / product programs and monitor underwriting standards to establish credit assessment robustness is within the bank’s risk appetite.

2. In charge all credit policy changes are implemented and automated into credit system timely and accurately. Propose alternative when system automation is not possible.

3. In charge portfolio analysis and screening exercise to effectively identify potential risk and opportunities in managing the portfolio.

4. In charge close monitoring of portfolio caps and triggers of various products to ensure portfolio health is maintained.

Experience/ Knowledge Required

• Minimum 3 years of related working experience & exposure in retail / business banking in the financial services sector.
• Good credit and analytical skills in Banking industry
• Good 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.
• Sound knowledge of products, operations, policies and finance practices.
• Tertiary education qualification in Statistic, Computer Science, IT, Actuarial Science, Finance, Mathematics or related discipline.