Senior Executive/Manager, SME Credit Policy & Portfolio Analytics

Alliance Bank Malaysia Berhad; Kuala Lumpur; On-site; MYR 200,000 - 250,000; Full time

Job summary

A leading financial institution is seeking an experienced individual to manage its SME portfolio. Responsibilities include maintaining credit policies, conducting portfolio analysis to identify risks and opportunities, and overseeing performance to ensure alignment with the bank's risk appetite. The ideal candidate will have a background in retail or business banking, strong analytical skills, and familiarity with relevant programming languages and analytics tools.

Qualifications

• Minimum 3 years of related experience in retail/business banking.
• Strong understanding of banking operations and policies.

Responsibilities

• Review and maintain credit policy for SME products.
• Perform in-depth portfolio analysis to evaluate health and risks.
• Oversee SME portfolio management and improve credit analytics.
• Monitor portfolio performance within risk appetite.

Skills

Credit and analytical skills

Communication skills

Knowledge of analytics tools

SAS

SQL

C++

C#

Java

Python

MATLAB

R

VBA

Education

Tertiary education in Statistics, Computer Science, IT, Actuarial Science, Finance, Mathematics

Job description

1. Review and maintain credit policy for SME product to ensure timely update and robust credit assessment.
2. Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
3. Oversee and manage all matters related to SME portfolio management by conducting review and continuously improving credit analytics structure.
4. Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank’s risk appetite.

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 portfolio analysis and screening exercise to effectively identify potential risk in managing the portfolio.
5. 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.

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About Alliance Bank Malaysia Berhad and its subsidiary, Alliance Islamic Bank Berhad, offers banking and financial solutions through its consumer, SME, corporate, commercial and Islamic banking. The Bank provides easy access to its broad base of customers throughout the country via multi-pronged delivery channels that include retail branches, Privilege Banking Centres, Business Centres, Investment Bank branches, and mobile and Internet banking.

Kuala Lumpur City Centre, Kuala Lumpur, MY