Credit SME – Collateral Management

TEKISHUB CONSULTING SERVICES PTE. LTD.; Singapore; On-site; SGD 120,000 - 150,000; Full time

Job summary

TEKISHUB CONSULTING SERVICES PTE. LTD. is seeking an experienced Credit SME - Collateral Management to support a bank's collateral management platform.

You will act as the key SME across credit risk and collateral management, working with Risk, Treasury, Front Office, Legal, Operations and Technology to define and validate requirements. Responsibilities include leading requirements workshops, defining functional/non-functional needs, and ensuring compliance with EMIR, UMR and Basel standards

Qualifications

• Strong experience in banking or financial services with credit risk and collateral management expertise.
• Ability to translate regulatory requirements into functional system needs.
• Experience translating complex requirements into user stories and acceptance criteria.

Responsibilities

• Act as the primary SME for credit risk and collateral management across the project lifecycle.
• Lead workshops and collect requirements from stakeholders across Risk, Front Office, Treasury, Legal, Operations and Tech.
• Define and prioritise functional and non-functional requirements for collateral management.
• Provide SME input on collateral documentation like ISDA CSA, GMRA and GMSLA.
• Translate regulatory requirements (EMIR, UMR, Basel, CRM) into practical system needs.
• Develop and maintain a prioritised backlog based on deadlines and business value.
• Define business rules, user stories and acceptance criteria for collateral capabilities.
• Support integration with risk, operations and regulatory reporting systems.
• Review designs and challenge assumptions to align with collateral risk practices.

Skills

Credit risk

Collateral management

Stakeholder management

Regulatory requirements

Analytical thinking

Communication skills

Agile delivery

Requirements gathering

Job description

We are looking for an experienced Credit SME - Collateral Management to support the delivery and enhancement of a bank's collateral management platform. The successful candidate will act as the key business subject matter expert, providing deep expertise across credit risk, collateral management processes, regulatory requirements and technology delivery.

The role will work closely with Credit Risk, Treasury, Front Office, Legal, Operations and Technology teams to define, prioritise and validate business requirements for collateral management capabilities.

Key Responsibilities

• Act as the primary Subject Matter Expert for credit risk and collateral management throughout the project lifecycle.

• Lead requirements gathering and workshops with stakeholders across Credit Risk, Front Office, Treasury, Legal, Operations and Technology.

• Define and prioritise functional and non-functional requirements for the collateral management platform.

• Provide subject matter expertise across:

  • Eligible collateral and eligibility schedules

  • Collateral valuation and haircuts

  • Variation Margin (VM) and Initial Margin (IM)

  • Margin call generation, settlement and reconciliation

  • Collateral optimisation and substitution

  • Collateral disputes and exception management

  • Exposure and collateral position monitoring

• Provide expertise on collateral documentation and agreements including ISDA Credit Support Annexes (CSA), GMRA and GMSLA.

• Translate regulatory and risk requirements, including EMIR, Uncleared Margin Rules (UMR), Basel requirements and Credit Risk Mitigation (CRM), into practical system requirements.

• Develop and maintain a prioritised product/project backlog based on regulatory deadlines, risk reduction, operational requirements and business value.

• Define clear business rules, user stories and acceptance criteria for collateral management capabilities.

• Support requirements relating to integration with credit risk, treasury, front-office, operations and regulatory reporting systems.

• Review proposed solution designs and challenge requirements or assumptions that do not align with collateral risk management practices or regulatory requirements.

• Support testing, UAT and validation to ensure delivered functionality meets agreed business and regulatory requirements.

• Identify process gaps, operational risks and opportunities for automation or process improvement.

• Communicate complex collateral and credit risk concepts clearly to both senior business stakeholders and technical delivery teams.

• Facilitate resolution of conflicting stakeholder requirements and support informed prioritisation and design decisions.

Requirements

• Strong experience within banking or financial services, with significant hand-on expertise in credit risk and collateral management.

• Strong understanding of end-to-end collateral management processes across margining, settlement, optimisation, substitution and dispute management.

• Good understanding of derivatives and securities financing collateral arrangements.

• Strong knowledge of ISDA CSA, GMRA and GMSLA agreements and their impact on collateral processes.

• Good knowledge of relevant regulatory requirements including EMIR, UMR, Basel and Credit Risk Mitigation requirements.

• Experience working on collateral management system implementations, transformations or major enhancements.

• Proven experience translating complex business and regulatory requirements into functional requirements, user stories and acceptance criteria.

• Experience working with Credit Risk, Treasury, Front Office, Legal, Operations and Technology stakeholders.

• Strong stakeholder management skills with the confidence to challenge senior stakeholders and technical teams where appropriate.

• Strong analytical, problem-solving, written and verbal communication skills.

• Experience working within Agile or hybrid technology delivery environments would be advantageous.

Preferred Experience

• Experience with enterprise collateral management platforms or related risk management systems.

• Experience within a global bank or large financial institution.

• Previous involvement in regulatory-driven collateral, margin or credit risk transformation programmes.