About this role
Job Purpose
- Involved in new credit policy for new Consumer product to ensure compliance to BNM guideline and internal bank’s risk appetite.
- Maintain credit policy for Consumer product to ensure timely update and robust credit assessment.
- Implement and make changes to credit system accordingly to ensure all credit policy rules are automated and deployed timely and accurately.
- Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
- Monitoring of portfolio performance to ensure healthy portfolio is maintained within the bank’s risk appetite by proposing and implement relevant credit strategy
Key Responsibilities
- Ensure all credit policy changes are implemented and automated into credit system timely and accurately. Propose alternative when system automation is not possible.
- Deal with various stakeholders, i.e. Underwriters and Business Users before finalizing and implementing any policy changes to ensure clear communication and readiness from all party before any changes is implemented.
- Conduct portfolio analysis and screening exercise to effectively identify potential risk and opportunities in managing the portfolio.
- Close monitoring of portfolio caps and triggers of various products to ensure portfolio health is maintained and recommend appropriate action plan to enhance risk parameters if required.
- Support in responding to all queries from BNM or external audit to ensure pass audit and compliance.