AVP, Specialist, Credit Portfolio Management, Consumer Banking

DBS Bank Limited; Singapore; On-site; SGD 50,000 - 70,000; Full time

Job summary

A leading financial institution in Singapore seeks a Credit Risk Analyst to manage portfolio quality by leveraging data analytics and modeling. The role involves collaborating with business partners to support new initiatives and ensure regulatory compliance. Candidates should have a degree in a related field and 3-5 years of experience in consumer credit. Proficiency in data analytics tools like SAS and SQL is essential. This position offers a dynamic work environment focused on innovation and continuous improvement.

Qualifications

• At least 3-5 years of exposure in consumer credit & lending.
• Strong data analytics skill and ability.
• Demonstrated ability to conceptualize and communicate analytical findings.
• Good communication and writing skills.

Responsibilities

• Manage portfolio quality using analytics and models.
• Support new business initiatives with data analytics.
• Collaborate with stakeholders on key Portfolio Initiatives.
• Monitor key portfolio performance trends.

Skills

Data analytics

Communication

Analytical skills

Teamwork

Education

Degree or Diploma in any related field

Tools

SAS

SQL

Python

R

Microsoft Office

Job description

Business Function

Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure.

Job Purpose

This role within the Consumer Banking Group (CBG) Country Credit Risk team supports Unsecured Policy & Portfolio Management Team Lead. The main responsibilities include identifying, assessing and managing key risks such as default risk, concentration risk, and the impact of economic volatility to portfolio performance.

Key Accountabilities

• Manage portfolio quality by using analytics and models to analyse portfolio trends and perform necessary policy changes to manage Credit risks.
• Support new business initiatives through use of data analytics to develop and propose credit risk strategies for consumer credit portfolios to optimize growth and profitability within risk appetite.
• Leverage on data to identify early warnings, opportunities and develop strategies
• Keep abreast on latest technology changes such as data analytics that can be applied to credit risk management.
• Collaborate widely with other stakeholders in the Bank in key Portfolio Initiatives.

Responsibilities

• Support new Business initiatives & proposals for incorporation into product programs
• Engage Business partners in regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
• Support review of product programs regularly, with analytical insights of Business strategies, directions, and its performance metrics
• Drive portfolio initiatives through the credit cycle management framework by jointly working in partnership with product managers, credit approver team, system team, credit operations team and collection team
• Monitor key portfolio performance trends to ensure strong portfolio credit quality with a good balance of risk and reward to optimize Business opportunities and in line with business strategy and risk appetite.
• Assist in establishing key portfolio performance measurements to monitor portfolio performance, test programs evaluations; and uncover insights and areas for improvements.
• Support scorecard monitoring and analysis; involve in the scorecard development as well as validation of the score cut-off.
• Participate in digital initiatives and drive continuous improvements in analytics capabilities using both traditional and non-traditional data as well as enhancements in the use of risk analytics tools

Requirements

• Degree or Diploma in any related field.
• At least 3 - 5 years of exposure in consumer credit & lending, preferably covering both secured and unsecured lending with strong data analytics skill and ability.
• Familiarity with Credit Policies, regulatory policies and guideline is a plus.
• Possess strong portfolio and analytical skills with demonstrated ability to conceptualize and clearly communicate the analytical findings, both in writing and verbally.
• Decisive and solution focused. Possess strong analytical skills, highly numerate with the ability to collect, organize and analyse significant amount of information with attention to detail and accuracy.
• Demonstrated ability to synergise, prioritise and drive results with a sense of urgency
• Good communication and writing skills
• Display a high degree of team spirit and professionalism, and able to co-operate in a harmonious and productive manner with team member and stakeholders.
• Self-motivated with a strong inquisitive mindset and quest for learning
• Microsoft Office skills
• Programming skills (SAS, SQL, Python, R etc.)

Work Relationship

• Collaboration and Partnership: Cultivate strong partnership and collaborative relationships across teams, fostering the sharing of ideas and joint initiatives to achieve common goals. This includes fostering open communication and mutual respect to ensure a cohesive and productive work environment.
• Risk and Conduct Excellence: Collaborate closely with all stakeholders in the credit cycle, upholding the heightening credit standards, to ensure a seamless and compliant end-to-end process. This includes proactive risk identification, mitigation, and adherence to regulatory requirements. Promote a culture of accountability and transparency in all risk-related activities.
• Customer Focus and Business Acumen: Work closely with business units, to develop competitive product features that drive business acquisition while prudently managing risk that align the organization credit risk appetite. This involves a deep understanding of market dynamics and customer needs.
• Continuous Improvement and Innovation: Embrace a mindset of continuous improvement by seeking opportunities to enhance processes, leverage new technologies, and drive innovation in credit risk management. This includes actively contributing to the development and implementation of best practices.
• People Development and Teamwork: Foster a positive and supportive team environment, promoting teamwork, collaboration, and individual growth. Mentor and guide team members, sharing knowledge and expertise to build a strong and capable credit risk team. Actively participate in the team building activities and knowledge sharing sessions.