VP, Retail Credit Strategy & Operations

United Overseas Bank Limited (UOB); Singapore; On-site; SGD 180,000 - 240,000; Full time

Job summary

United Overseas Bank Limited (UOB) in Singapore seeks a seasoned Banking Executive to lead and shape retail credit strategies, originating and managing credit risk, and guiding a small high-performance team. You will oversee credit origination, risk portfolio monitoring, and regulatory compliance across consumer lending and credit cards.

Candidate with 10+ years in retail banking, strong leadership, and proven track record in large-scale credit system implementations will excel.

Qualifications

• 10+ years of experience in banking across retail lending and credit cards.
• Strong expertise in credit origination, collections, credit risk portfolio management, and credit bureau reporting.
• 5+ years of deep expertise in retail credit including underwriting, risk segmentation, and limit setting.
• Ability to translate business needs into detailed functional and non-functional requirements; design end-to-end credit management processes and onboarding journeys.
• Proven leadership with experience leading small teams and delivering large-scale Retail Credit implementations.
• Bachelor's degree in Finance, Business Administration, Economics; MBA preferred; CFA/FRM a plus.

Responsibilities

• Develop and implement strategic plans aligned with the bank's overall goals.
• Oversee and manage daily operations within the department or business unit, ensuring efficiency and compliance.
• Lead, mentor, and develop a team of professionals, fostering a high-performance culture.
• Manage financial budgets, resources, and performance metrics to achieve optimal results.
• Identify and mitigate risks associated with business operations and regulatory requirements.
• Cultivate and maintain strong relationships with key internal and external stakeholders, including clients, partners, and regulators.
• Drive innovation and process improvements to enhance productivity and customer satisfaction.
• Represent the bank in internal and external forums as required.
• Prepare and present reports to senior management on performance, progress, and strategic recommendations.

Skills

Requirements translation

Credit management design

Credit systems knowledge

Retail credit systems

Leadership

Education

Bachelor's degree in Finance / Business

MBA preferred

CFA/FRM a plus

Job description

United Overseas Bank Limited (UOB) in Singapore seeks a seasoned Banking Executive to lead and shape retail credit strategies, originating and managing credit risk, and guiding a small high-performance team. You will oversee credit origination, risk portfolio monitoring, and regulatory compliance across consumer lending and credit cards.

Candidate with 10+ years in retail banking, strong leadership, and proven track record in large-scale credit system implementations will excel.