VP - Credit Portfolio Management

The Japan Research Institute, Limited (Singapore Branch); Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

The Japan Research Institute, Limited (Singapore Branch) is seeking a senior credit risk professional to lead analysis and portfolio optimization across leveraged and structured financing. The role demands deep credit judgment and the ability to translate complex capital structures into clear, approvable risk assessments.

You will collaborate with credit committees and control functions, manage multiple priorities under tight deadlines, and contribute to strategic risk management initiatives

Qualifications

• 7–10 years in credit risk analysis and portfolio management, with leverage/acquisition financing.
• Strong credit judgment and expertise in complex capital structures.
• Excellent analytical, quantitative, and problem-solving abilities.

Responsibilities

• Prepare high-quality credit applications, reports, risk assessments including comprehensive financial and sensitivity analyses and validation of key assumptions for a portfolio of transactions.
• Distil complex credit structures into clear, concise approvals readable by management and Credit.
• Ensure credit applications and consent requests are circulated, reviewed and approved in a timely manner with high accuracy and no overdue submissions.
• Maintain strong collaborative relationships with key stakeholders (credit department, origination teams) and respond promptly to credit-related queries.
• Engage proactively with CPM team members by providing regular updates and escalating material risks to Team Lead/Head of CPM.
• Ensure full adherence to regulatory requirements, internal policies, procedures and compliance standards across the portfolio.

Skills

Credit risk analysis

Portfolio management

Financial modelling

Stakeholder management

Analytical thinking

Job description

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Job Responsibilities

• Prepare high-quality credit applications, reports, risk assessments including comprehensive financial and sensitivity analyses and validation of key assumptions for a portfolio of transactions including but not limited to leverage and acquisition financing, structured credit, fund finance and/or real estate financing.
• Distil complex credit structures and risk considerations into clear, concise and well-structured applications that are easily understood by approvers (management and/or Credit).
• Ensure credit applications and consent requests are circulated, reviewed and approved in a timely manner, with high standard of accuracy, minimal errors and no overdue submissions.
• Maintain strong collaborative working relationship with key stakeholders (eg credit department, origination teams) and respond promptly and effectively to credit-related queries questions or requests.
• Engage proactively with CPM team members by providing regular updates, participating in portfolio discussions and escalating material risks or issues early to Team Lead/Head of CPM where required.
• Control and Compliance Management
  • Ensure full adherence to regulatory requirements, internal policies, procedures and compliance standards across the portfolio; support audit or regulatory remediation efforts where required.
  • Prepare for and respond promptly and comprehensively to internal and external audit requests.
  • Deliver accurate, timely and high-quality reports required by regulators, head office and internal stakeholders.
• Collaboration and Teamwork
  • Demonstrate strong teamwork while being able to work independently with a high level of self-motivation, ownership and accountability.
  • Actively share knowledge and best practices.

Job Requirements

• An experienced professional with 7-10 years of relevant experience in credit risk analysis and portfolio management with leverage/acquisition financing and structured credit as core area of expertise, and exposure to fund finance and/or real estate financing.
• Strong credit judgment with deep expertise in evaluating complex capital structures, collateral pools, and bespoke financing solutions; well‑versed in credit risk assessment, credit controls, and related administrative processes.
• High proficiency in financial modelling, supported by strong numerical and financial acumen; able to interpret financial information, assess and update cashflow projections, and conduct sensitivity analyses.
• Excellent analytical, quantitative, and problem‑solving capabilities.
• Strong stakeholder management and communication skills, with a proven track record of effective engagement with senior stakeholders, credit committees, and control functions.
• Ability to manage multiple priorities, perform effectively under tight deadlines, and contribute to cross‑functional projects or initiatives.
• Demonstrated strategic mindset, with a focus on portfolio optimisation, portfolio quality, and forward‑looking risk management.