Senior Specialist - Commercial Portfolio Management

Job summary

• Collect, investigate, and analyze all relevant information on own responsible portfolio regarding credit approval process, back-testing underwriting standard and develop the portfolio monitoring practice toward Credit Risk Framework (EWS, BRL, and QRS back testing, etc) and risk level acceptance analysis to ensure that the portfolio stays within the aspiration levels of the bank.

Job description

• Collect, investigate, and analyze all relevant information on own responsible portfolio regarding credit approval process, back-testing underwriting standard and develop the portfolio monitoring practice toward Credit Risk Framework (EWS, BRL, and QRS back testing, etc) and risk level acceptance analysis to ensure that the portfolio stays within the aspiration levels of the bank.
• Summarize key findings and inform Senior Colleges and Head of Commercial Credit Risk Model & Portfolio Management for further actions.
• Analyze the different underwriting approach (A-B testing) of different underwriting standards in combination with credit scoring, product program and maintain a portfolio profitability financial model to ensure that approval cut offs are clear, based on data and agreed amongst the whole value chain.
• Set up Approval, Cross Sell and Early Warning systems in order to effectively manage credit risk corresponding. Prepare credit risk and measurement report and dashboard with analysis to support management decision.
• Perform ad-hoc analysis on portfolio monitoring topics to support senior colleagues in key point making.
• Manage risk related change requests in the approval process, organize UAT and coordinate amongst the different stakeholders.
• Act as an expert of data interpretation, perform data investigation related to the portfolio management.
• Prepare monthly dashboards for own responsible portfolio in line with the underwriting approach.
• Conduct regular Industry analysis to understand business character and to be able to identify both industry risk and opportunity.
• Develop industry/sub-industry framework, usage of framework as well as risk mitigation plan. Apply industry framework in developing Industry Business model as part of Commercial Portfolio Management, sub-portfolio review and customer on case-by-case basis.
• Co-develop with Commercial Value Chain in setting business strategy based on Industry Analysis.
• Advise business/industry information to Commercial Credit Underwriting team on Credit Approval and Annual Review process.
• Provide services & support on issues that require solutions to support UW team to complete the tasks in a timely manner.

Qualifications:

• Master's degree in business administration, Economics, Finance, Risk Management, Statistics, Mathematics or other related fields.
• Minimum 7 years experience in banking or finance service industry with emphasis on credit risk management, credit portfolio management, Consumer products, Credit Cycle process, Debt analysis, etc.
• An experience in the field of IFRS9 models and of prudential regulations is preferred.
• Strong analytical and organizational skills with ability to work on multi-task and self-driven personality.
• Good Communication, Negotiation, and Presentation skills
• Solid credit and MIS analytical with problem-solving skills
• Self-motivated and initiative, systematic and analytical thinking, fast learner, result-oriented, service minded, integrity.
• Good command of Spoken & Written English
• Strong in computer literacy skills eg. MS. Excel, SAS.