Comprehend and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy
Ensure new origination, portfolio and collections performance meets defined key performance indicators and within the defined risk appetite and ensure consistent application and enforcement of risk policies
Ensure that risk strategies are accurately tested and continually benchmarked with the help of advanced data analytics
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Our client is a financial service provider in the digital banking/payments sector and they are looking for a credit specialist to add to their team. As a Senior Credit Specialist you would be able to work on interesting projects related to the retail/consumer credit space and solve many interesting problems that the firm is facing. Along the way you will be able to learn new ways of working, and help build delightful high-quality products for the customers.
To design and build Credit risk management solutions and strategies for entire customer lifecycle, i.e., Originations, Portfolio Management and Collections for Retail Assets, leveraging data and analytics tools. (6 months contract - Maternity Cover)
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Comprehend and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy
Ensure new origination, portfolio and collections performance meets defined key performance indicators and within the defined risk appetite and ensure consistent application and enforcement of risk policies
Ensure that risk strategies are accurately tested and continually benchmarked with the help of advanced data analytics
...
Comprehend and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy
Ensure new origination, portfolio and collections performance meets defined key performance indicators and within the defined risk appetite and ensure consistent application and enforcement of risk policies
Ensure that risk strategies are accurately tested and continually benchmarked with the help of advanced data analytics
...
Undertake credit and fraud risk strategy design and development on lending propositions, with focus on high quality, delivery within agreed timelines and alignment with approved credit policy
Design, develop and implement data-driven risk strategies (income estimation, cut-off setting, indebtedness checks, loan amount assignment, risk-based-pricing) for lending products using traditional, and non-traditional data
Comprehend and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy
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Please note that due to the high number of applications only shortlisted candidates will be contacted. If you do not hear from us in the next 5 business days we regret to inform you that your application for this position was unsuccessful.
Plan, execute, and analyze multi-channel marketing campaigns that align with overall business objectives. Collaborate with cross-functional teams to ensure seamless integration of marketing campaigns across different platforms.
Utilize analytics tools to track and measure key performance indicators (KPIs) related to online marketing efforts. Generate reports and insights to assess the effectiveness of campaigns, providing recommendations for continuous improvement.
Manage marketing budgets effectively, allocating resources based on campaign goals and expected ROI. Continuously optimize spending to maximize results within budget constraints.
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We work to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. We cultivate a culture of inclusion for all employees that respects their individual strengths, views, and experiences. We believe that our differences enable us to be a better team – one that makes better decisions, drives innovation and delivers better business results.
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Review credit applications, transactional/exceptions and documentation requests within delegated approval authorities and ensure that they meet the group standards. All potential risks not limited to credit, legal, operational, regulatory and reputational risk are properly addressed and justified.
Provide credit judgment/comment for obtaining approval from higher approval level if the proposed credit is outside the delegated lending authority.
Work closely with various stakeholders, including but not limited to Legal, Compliance, COO office and Business for the review of credit application and preparation of credit documentation to support business development and to ensure that they meet the Bank’s standards.
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(2) support the enabling of analytics to the users within Group Retail segment.
The Bank implemented the Decision Management Solution (“DMS”), for Singapore and progressive roll-out for regional subsidiaries (Vietnam, Indonesia, Thailand and Malaysia).
In this role, the DMS Functional Specialist will develop the rules configuration & framework, for both the Business As Usual (BAU) quarterly policy changes, scorecard project changes and guide Implementation Projects on DMS solution for both Singapore and the subsidiaries.
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(1) equip PFS Risk team members with the right tools, e.g. analytics tool, data, infrastructure, and
(2) support the enabling of analytics to the users within Group Retail segment.
The Bank implemented the Decision Management Solution (“DMS”), for Singapore and progressive roll-out for regional subsidiaries (Vietnam, Indonesia, Thailand and Malaysia).
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To assess, identify, review and monitor the Bank’s credit risk at individual and portfolio level against irregularities identified / deteriorating business conditions to minimize potential NPL and SP
To identify any deterioration of portfolio quality assigned under periodic review and to ensure timely response according to the bank policies.
To ensure compliance of regulatory requirements and internal bank policies
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Be actively involved in shaping the finance agenda for the region by working closely with business team to forecast growth and budget
Prepare management and budget analysis reports for decision-makers and draw out actionable insights from financial data to influence strategy and performance
Drive Finance related ad-hoc analysis for both internal and external use
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Lead and manage the DMS prioritization forum to deliberate on the Change Requests, Projects and issues pertaining to the DMS, especially to drive the discussion and issues resolution.
Responsible for rules deployment (via the DMS) – planning, executing, testing and monitoring
Identify areas for improvement and provide recommendations to users and/or Head of AS team
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Review credit applications, transactional/exceptions and documentation requests within delegated approval authorities and ensure that they meet the group standards. All potential risks not limited to credit, legal, operational, regulatory and reputational risk are properly addressed and justified.
Provide credit judgment/comment for obtaining approval from higher approval level if the proposed credit is outside the delegated lending authority.
Work closely with various stakeholders, including but not limited to Legal, Compliance, COO office and Business for the review of credit application and preparation of credit documentation to support business development and to ensure that they meet the Bank’s standards.
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