Analyst, Credit Infrastructure & Solution

IIBA (International Institute of Business Analysis); Singapore; On-site; SGD 70,000 - 100,000; Full time

Job summary

A leading financial institution in Singapore is seeking a motivated individual for a dynamic analytical role focused on credit portfolio management. The successful candidate will engage in data acquisition, regulatory reporting, and the implementation of Basel III Reform rules, requiring strong analytical skills and proficiency in SQL, SAS, and Python.

Qualifications

• Minimum 5 years' experience in analytical role or conducting financial reporting in a financial institution.
• Experience in design and automation of credit portfolio reports.
• Good understanding of banking products and risk management concepts.

Responsibilities

• Focus on data acquisition of credit data for regulatory and management reporting.
• Participate in maintenance of credit risk data aggregation processes.
• Prepare regulatory and management credit risk reports.

Skills

Analytical skills

Interpersonal skills

Communication skills

Problem-solving mindset

Proficiency in SQL

Proficiency in SAS

Proficiency in Python

Tools

SQL

Teradata

SAS

Python

Microsoft Office

Job description

Risk Portfolio Management comprises of a broad range of functions primarily focused on credit portfolio management across banking subsidiaries within OCBC Group. These include:

• Assessing the risk and opportunities in the Bank's key markets and asset classes in the context of the Bank's risk appetite and against economic, structural and cyclical conditions.
• Determining the risk and opportunities in the Bank's key markets and asset classes in the context of the Bank's risk appetite and against economic, structural and cyclical conditions.
• Analyzing and measuring credit and financial performance of the portfolio from multiple perspectives, including legal entity, business unit, customer segment, product, industry, geography. Identifying trends and drivers, drawing insights and developing management discussion points and recommendations
• Developing, implementing, and managing the credit risk measurement framework encompassing credit risk scorecards and rating models, risk weighted assets determination, risk measurement data and systems infrastructure, policy and processes, expert guidance to users on usage and interpretation. These frameworks are used in the credit underwriting, customer selection, limit setting, early warning and problem recognition, assessment of capital and provision adequacy internally as well as for regulatory compliance.
• Managing suite of portfolio dashboards and reports to the Board, senior management, functional risk committees and supervisory authorities.

Responsibilities:
There is currently an opportunity for a dynamic and motivated individual to join the department. The successful candidate will be part of a team responsible for one or more of the following areas:

• Focus on the data acquisition of credit data for the regulatory and management reporting of the bank's Group portfolios.
• Participate in the maintenance of the credit risk data aggregation processes, which include coding and testing of scripts, management of data integrity and data lineage.
• Prepare regulatory and management credit risk reports.
• Implement Finalized Basel III Reform rules across OCBC and its various subsidiaries.
• Optimize Credit RWA through improved methodologies and data quality.
• Advise business on the appropriate Credit RWA treatment

Qualifications
Skill requirement/Qualifications:

• Minimum 5 years' experience in analytical role or conducting monthly credit portfolio/financial reporting exercises in a financial institution.
• Experience in design and automation of credit portfolio or financial reports.
• Strong interpersonal and communication skills to engage internal and external stakeholders.
• Self-motivated and detailed oriented team player who can multi-task in a fast-paced environment.
• Good understanding of banking products and risk management concepts.
• Independent, creative, with a pro-active problem-solving mindset.
• Proficient in analytical tools such as SQL/Teradata, SAS, Python and Microsoft Office applications.