Key Responsibilities and Duties 

• Responsible for the administration and direction of the credit department
• Supervise the credit risk management of SME lending and unsecured Retail Lending Products
• Assist in the development of a new lending platform, which involves establishing and updating the relevant policies, process and operational procedures
• Define the credit criteria for the end-to-end loan approval process; ensure the credit control of all loan files through regular review of relevant documentations required for customer identification and verification
• Review the performance of the asset portfolio, explore and investigate any observable trends of the risk drivers according to the changes in macro-environment and the credit portfolio constituents, identify key risks for ongoing monitoring and provide enhancement recommendations
• Review the debt level of the existing borrowers’/ guarantors (if applicable) accounts, to subsequently assess the levels of credit exposure through periodic review of the Credit Bureau reports, according to the policy approved by the Board
• Monitor performance of the loan portfolio and report to the Risk Management Committee on a periodic basis

Requirements 
 

• Bachelor Degree holder in Statistics/ Economics/ Computer Science/ Risk Management or related discipline
• Minimum of 10-15 years within a credit / lending background preferably working for a large banking institution
• Strong knowledge of SME and retail lending practices with a good understanding of credit risk and ideally been exposed to restructurings / work outs
• Proficient in the suite of Microsoft Office products and credit risk tools