Assistant VP, Regional Credit Policy Analyst, Group Credit

United Overseas Bank Ltd.; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

United Overseas Bank Ltd. is seeking an Assistant VP, Regional Credit Policy Analyst to join the Group Credit Policy & Governance team. In this role, you will oversee credit policies, ensuring compliance across regions while managing risk metrics. Ideal candidates will have extensive experience in retail credit risk management and a strong academic background in relevant fields.

Qualifications

• 8+ years in retail credit risk management, preferably in policy and portfolio management.
• Experience in risk assurance is welcome.
• Strong relator with good communication and presentation skills.

Responsibilities

• Review and maintain Group Retail Credit policies and frameworks.
• Support migration of Citi portfolio into UOB.
• Track consolidated Retail Risk Appetite and Credit KPIs across regions.

Skills

Analytical mind

Business acumen

Communication skills

Presentation skills

Education

Degree in Mathematics, Statistics, Business or Finance

Tools

Microsoft Office Excel

Microsoft PowerPoint

SAS Programming

SQL database

PowerBI

Job description

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Assistant VP, Regional Credit Policy Analyst, Group Credit

Location:

Raffles (City Area), Singapore, SG, 048624

Company: United Overseas Bank Ltd

About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices.

Our history spans more than 80 years. Over this time, we have been guided by our values — Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

About the Department

TheCredit and RiskManagement function is comprised of three teams: Risk Management, Credit and Special Asset Management. We manage the risks arising from the Group’s business activities within the risk appetite established by the Board. This involves identifying and evaluating the risks, developing effective risk governance and strategies as well as providing independent assessment of the overall risk profile.

Job Responsibilities

The candidate will be part of the Group Credit Policy & Governance (CPG) team which provides independent oversight of Personal Financial Services (PFS) Loans Portfolio forUOB Group. Reporting to the Regional Policy & Strategic Support Lead, the candidate will be responsible to support the review and maintenance of the Group Retail Credit Policy and Process Standards (GRCPPS), ensure regional countries are operating within the GroupPFS Policy, Frameworks and approved Retail Risk Appetite (RRA) metrics, provide independent review and recommendation on proposed credit policies changes and related credit papers requiring approval from Group Retail Credit and perform independentmonitoring of portfolio quality for PFS loans portfolio across countries. The candidate will also undertake strategic projects as part of overall Group Retail Credit and Group CPG collective agenda.

Role Description:

• To review Group Policy Standard, Frameworks/ Guidelines and maintain them over time to ensure that PFS Loans portfolios operate within the desired appetite.
• To support the smooth migration of Citi portfolio into UOB under CPG sub-stream, liaiseand work with other sub-streams within overall Retail Credit workstream and relevantstakeholders to ensure successful integration process.
• To work closely with countries CPG function on review of Portfolio Review Document(PRD), credit policy changes, credit test proposal, and other initiatives that requireapproval from Group Retail Credit.
• To assume the advisory role to and consult regional countries on Group Policy &Framework related matters.
• Responsible for tracking of consolidated Retail Risk Appetite, Risk Discipline Framework (RDF) metrics and Credit KPIs across regional countries
• Perform monitoring of regional countries portfolio and highlight the key and emergingrisks to ensure that sound portfolio quality is maintained.
• To support the portfolio review reporting and preparation for Quarterly Credit Review ofRetail Portfolio with Senior Management and Group Credit Committee.
• To work closely with CPG team in enhancing the independent risk assurance process
• To undertake ad hoc projects as part of Group CPG Collective Agenda

Job Requirements

• At least 8 years of working experience in a retail credit risk management role preferably in a credit risk policy, MIS and portfolio management capacity. Candidates withexperiences in risk assurance area are welcome to apply.
• Degree holder with background in Mathematics, Statistics, Business and Financepreferred.
• Analytical mind with sound business acumen, highly meticulous and self-motivated.
• A strong relator with good communication and presentation skill (verbal and written).
• Experience in a Group regional role with knowledge of country business and regulatorylandscape will be a plus.
• Proficient in Microsoft Office Excel, Powerpoint. Good knowledge of SAS Programming,Decision Tree Segmentation Tool, SQL database and Visualization Tool (e.g. PowerBI) isdesired.
• Candidates with knowledge in Basel Capital Rules, Credit Scorecards (especially application scorecard development) or IFRS9 will have an added advantage.

Be a part of UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.