Senior Portfolio Risk Manager
2 months ago
About United Overseas Bank
United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America.
We operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices.
Our history spans more than 80 years. Over this time, we have been guided by our values — Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success.
About the Department
The Credit and Risk Management function is comprised of three teams: Risk Management, Credit and Special Asset Management. We manage the risks arising from the Group's business activities within the risk appetite established by the Board.
This involves identifying and evaluating the risks, developing effective risk governance and strategies as well as providing independent assessment of the overall risk profile.
Job Responsibilities
As a Senior Portfolio Risk Manager, you will be responsible for:
- Supporting business decisions through customer segmentation, acquisition targeting and customer profitability analysis.
- Developing predictive models/analytics across customer/product lifecycle, acquisition, cross-selling and retention.
- Driving the use of scorecard and Basel models in customer acquisition, portfolio management, collections and other areas of the credit cycle.
- Optimizing underwriting and customer/portfolio management risk policies through the use of analytics and champion/challenger strategies.
- Generating, automating, analyzing and monitoring portfolio risk reports, monthly review reports, and scorecard performance report.
- Providing regular and ad-hoc credit risk analysis and advisory to business managers, senior management, regulators and key stakeholders.
- Supporting retail product and credit programs, including the review/estimation of risk parameters, product pricing, product structure and regulatory requirements.
Job Requirements
- Degree in a quantitative program, such as Statistics, Mathematics, Actuarial Science, Financial Engineering, etc.
- Minimum 7-8 years of working experience in credit risk, credit modeling and management, or data analytics, preferably in a retail banking environment.
- Strong knowledge of retail banking customer credit cycle, especially in secured lending.
- Strong IT skills, especially in Excel, Powerpoint, VBA, SAS, Enterprise Guide, Enterprise Miner, Python and SQL/AS400 query and database.
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