Develop and implement Acquisition and Account Maintenance credit policies for unsecured loan products. Ensure all credit policies are complied with regulatory and compliance requirements.
Design report/dashboard and monitor portfolio credit performance to identify issues or new & innovative credit processes. Ensure that appropriate actions are promptly taken if necessary.
Provide deep dive portfolio analysis and strategic proposals to optimize portfolio quality and profitability. Effectively conceptualize analysis to various stakeholders.
Collaborate with Business, Credit Operation, Credit Risk Scoring, and other units to ensure the effectiveness of account maintenance activities and business growth with continuous improvement in credit quality.
Collaborate with the Finance unit on portfolio planning for potential loss and reserve requirements.
Provide initiative on new systems, tools and processes to ensure efficiency.
Perform the other assignments assigned by the Management team.
REQUIREMENT
Bachelor's and/or Master's degree in Economics, Business Administration, Statistics, Mathematics, Engineer or related fields.
3-10 years experience preferably in Credit Risk Management in Banking & Finance Business.
Data query/manipulation using SQL is preferable.
Good analytical, data visualization and presentation skills.
Good command of written and spoken English.
Multitasking, self-motivated and fast & independent learner.
