Credit Risk Specialist

1 week ago

Singapore Trust Bank Full time

Trust is the first of a new breed of banks in Singapore - digitally native and focused on delivering a delightful customer experience.

You will work in a fast-paced and collaborative environment to solve new and interesting challenges each day. Together with our Trust team, you will help shape the future of our bank.


As a
Credit Risk Specialist you'd be able to work on and solve many interesting challenges which we are facing, learn new ways of working, and help build delightful high-quality products for our customers.


To design and build Credit risk management solutions and strategies for entire customer lifecycle, i.e., Originations, Portfolio Management and Collections, for Retail Assets, leveraging data and analytics outcomes.


The Role Responsibility:

  • Analyse diverse data required to develop risk strategies for the Bank
  • Undertake credit and fraud risk strategy design and development on lending propositions, with focus on high quality, delivery within agreed timelines and alignment with approved credit policy
  • Design, develop and implement datadriven risk strategies (income estimation, cutoff setting, indebtedness checks, loan amount assignment, riskbasedpricing) for lending products using traditional, and nontraditional data
  • Decipher and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy
  • Ensure that risk strategies are accurately tested and continually benchmarked with the help of advanced data analytics
  • Work independently with various stakeholders such as Product, Technology, Data Engineering, Analytics, etc. to align with business goals
  • Lead the effort on documentation and adhering to risk approval process related to risk strategy design and development

Role Specific Technical Competencies:

Skill

Target proficiency level

Retail Lending Product/Business Knowledge

Core

Full-cycle Credit Risk Management Principles

Core

Data Manipulation and Credit Risk Metrics

Advanced

Data-driven Strategy Formulation and Analytics

Advanced

Local Regulations governing Retail Lending and Credit Risk

Entry

  • 7 years of relevant experience
  • Experience in strategy development, customer segmentation and / or credit policy
  • In depth understanding of local regulation related to unsecured lending.
  • Strong analytical ability, with technical competency to deliver industry standard outputs
  • Sound knowledge of Credit Risk is desired with ability to perform related data analysis
  • Strong interpersonal skills with the ability to engage and influence multiple stakeholder and drive decisions
  • Strong Communication (written and oral) and presentation skills.
  • Selfstarter, motivated.

Come as you are Trust is an inclusive and open-minded workplace. If you are smart and good at what you do, that's what we care about. So come as you are.

Trust is an equal opportunity employer. We prohibit discrimination and harassment of any kind. We are committed to the principle of equal employment opportunity for all employees and to providing employees with a work environment free of discrimination and harassment. All employment decisions at Trust are based on business needs, job requirements and individual qualifications, without regard to age, gender, physical ability, race, religion or belief, family or parental status, sexuality, or any other status protected by laws or regulations. We will not tolerate discrimination or harassment based on any of these characteristics. We encourage applicants of all ages.

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