Emerging Business Credit Risk Management - ED

OCBC (Singapore); Singapore; On-site; SGD 80,000 - 120,000; Full time

Job summary

An established industry player seeks a seasoned professional to drive regional credit strategies and ensure compliance with lending policies. This role involves translating strategic goals into actionable plans while fostering strong relationships with subsidiary teams. The ideal candidate will have over a decade of experience in credit assessment and a solid understanding of small business banking products. Join a forward-thinking organization that values your growth and offers competitive benefits, ensuring you thrive in a dynamic, supportive environment.

Benefits

Flexible Benefits

Professional Development Opportunities

Community Initiatives

Qualifications

• 10+ years of credit/frontline experience with regional exposure.
• Strong analytical, communication, and negotiation skills.

Responsibilities

• Contribute to regional loan strategies and translate them into actionable plans.
• Support business units in achieving lending goals while managing credit risks.

Skills

Credit Assessment

Interpersonal Skills

Communication Skills

Analytical Skills

Data Analytics

Negotiation Skills

Tools

MS Excel

Job description

WHO WE ARE:
As Singapore's longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we're on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia's leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

Roles and Responsibilities:
Regional (75%)

• Contribute to Regional EmB Loan "Global Design, Local Implementation" strategies and translate strategies into actionable plans for countries
• Alignment of Subsidiary CRMs to Group CRM and provide oversight and guidance to Subsidiary CRMs on:
  • Credit Policy
  • Credit Framework
  • Credit Programs
  • Credit Procedures / Processes
  • Products and Propositions e.g. Test Programs, Mid-Market, Serial Entrepreneur
  • Systems e.g. LUMOS, CDMS
• Pollinate credit best practices across the Region
• Responsible for renewal of Group Credit Policies and dissemination to Subsidiary CRMs
• Support Subsidiary CRMs to achieve satisfactory Credit Risk Review through oversight and sharing of regional findings / experience

Group (25%)

• Support Business Unit in achieving its lending goals while maintaining sustainable credit risks through:
• Prudent credit assessment of non-STP Credit Proposal and Credit Memo
• Ensure approval complies with regulations, credit policies, product program guidelines and within Lending Authority Limit
• Ensure no new account turning NPL within 12 months from non-STP approval
• Jointly achieve satisfactory internal and external audit ratings

Requirements:

• At least 10 yrs of credit / frontline related experience with regional exposure
• Good understanding of:
  • Small Business Banking products and industries
  • Portfolio / Delinquency credit framework
• Able to translate strategies into action plans and successful implementation
• Strong interpersonal, communication and effective negotiation skills
• Strong management and supervisory skills
• Strong analytical and quantitative skills and attention to detail
• Adaptive and sensitive to cultural requirements to achieve desired results
• Self-motivated and able to work both independently and within a team
• MS Excel and data analytics skills

What we offer:
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.