Chief Credit Risk & Portfolio Strategy

Swift Search Global Pte Ltd; Singapore; Presencial; SGD 180.000 - 280.000; Jornada completa

Descripción de la vacante

Swift Search Global Pte Ltd is seeking an experienced Head of Credit to lead its independent credit risk function in Singapore. You will oversee credit assessments, lending policies and portfolio monitoring, while ensuring prudent standards aligned with risk appetite, business objectives and MAS rules.

You will manage a team of credit analysts, drive governance and process improvements, and report to the Head of Risk Management. MAS Notice 811 familiarity is required.

Formación

• Bachelor's Degree in Finance, Accounting, Economics or a related quantitative discipline.
• At least 10 years of relevant experience in credit analysis, credit risk management or real estate financing within a bank or financial institution.
• Proven experience leading and developing credit teams.
• Strong knowledge of property and construction financing, mortgage lending and secured credit assessment.
• Vehicle financing experience is an advantage.
• Proficient in cash flow modelling, sensitivity analysis, scenario analysis and quantitative techniques.
• Familiar with MAS Notice 811, Expected Credit Loss frameworks and Basel-based credit stress testing.
• Sound independent judgement and strong analytical, communication and stakeholder management skills.
• Able to present clear credit recommendations and drive process improvements while maintaining strong governance.

Responsabilidades

• Develop and review credit strategies, lending criteria and exposure limits.
• Lead annual reviews of credit policies and implement approved changes.
• Improve credit assessment, renewal and monitoring processes through standardisation and automation.
• Maintain effective independent challenge and credit controls.
• Lead independent assessments of new applications, annual reviews and facility renewals.
• Evaluate borrowers’ creditworthiness, repayment capacity, collateral, covenants and financing structures.
• Review cash flow projections and conduct sensitivity and scenario analyses.
• Assess property development financing risks, including construction costs, completion timelines and sales assumptions.
• Monitor portfolio quality, concentrations, arrears, risk migration, and limit utilisation.
• Oversee watchlist accounts and challenge remediation plans.
• Lead borrower and portfolio stress testing, incorporating PD, LGD, and EAD.
• Conduct sector and thematic reviews, including quarterly updates on property and vehicle financing.
• Recommend changes to exposures, lending standards, and risk mitigation measures.
• Oversee credit grading and provide independent input into Expected Credit Loss assessments.
• Support compliance with applicable regulatory requirements, including MAS Notice 811.
• Coordinate regulatory and audit enquiries and follow up on findings.
• Present credit risks, portfolio trends, watchlist developments and policy exceptions to management and relevant committees.
• Coach and develop the credit analyst team.

Conocimientos

Credit strategy

Team leadership

Stakeholder management

Analytical skills

Regulatory knowledge

Educación

Bachelor's Degree in Finance/Accounting/Economics

Herramientas

Financial modelling

Descripción del empleo

Swift Search Global Pte Ltd is seeking an experienced Head of Credit to lead its independent credit risk function in Singapore. You will oversee credit assessments, lending policies and portfolio monitoring, while ensuring prudent standards aligned with risk appetite, business objectives and MAS rules.

You will manage a team of credit analysts, drive governance and process improvements, and report to the Head of Risk Management. MAS Notice 811 familiarity is required.