Head of Credit Policy and Portfolio Review
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Who We Are As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.
Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future. We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career. Your Opportunity Starts Here.
Job Description
Policy
- Active review of policy to ensure robust end to end credit risk management of Retail Portfolio (Emerging Business / SME and Consumer portfolio).
- Align local policy with Group’s and administer local L3-L5 policy, including Regulatory changes and Developer’s Project End Financing guidelines.
- Engagement with business and senior management on risk issues and business initiatives.
- To furnish management update and analysis on portfolio health & performance.
- To closely monitor portfolio performance to manage credit quality and pre-empt potential broadening of credit deterioration.
- Assist in preparation of credit / risk reports / updates to various stakeholders including local management / Board, Group office as well as external parties such as BNM / MAS.
Portfolio
To perform timely segmentation performance reviews to identify risk mitigations for the purpose of addressing early signs of potential portfolio concerns.Preserve portfolio quality through early warning B-score triggered reviews. To complete triggered reviews within timeline from receipt of listing from portfolio analytics team.To carry out timely portfolio actions at customer level per Early Warning portfolio review guidelines.To advise and recommend preventive actions where required, including revision to policies to uphold the Bank’s retail portfolios risk appetite.Job Requirements
A recognized Diploma / Degree or equivalent, preferably in Accounting, Finance, Commerce, Economics or Business coupled with minimum 10 years of relevant working experience.Possesses a positive, can-do attitude.Good planning and organizing skills.High integrity, outgoing and prepared to make changes and learn best practices.Excellent command in both written and spoken English.Independent, self-motivated, resourceful and have excellent interpersonal skills.Must be familiar with analytics.What We Offer
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.
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