
Credit Risk Control Manager
3 days ago
Location: Central
Position: Credit Risk Control Manager (Job ID: CK
Responsibilities:
➤Evaluate creditworthiness of SME working capital loan and personal loan applicants.
➤Conduct detailed financial analysis and assess repayment capacity to ensure loan approval aligns with the institution's risk appetite.
➤Develop, implement, and maintain credit policies and procedures in line with regulatory requirements and company objectives.
➤Regularly review and update credit risk frameworks to adapt to changing market conditions.
➤Monitor and analyze the loan portfolio to identify potential risk concentrations and ensure adequate risk diversification.
➤Ensure credit risk practices comply with the Monetary Authority of Singapore (MAS) guidelines and other relevant regulations.
➤Oversee robust mechanisms to identify and prevent fraudulent activities within SME and personal loan applications.
➤Liaise with sales, operations, and legal teams to align credit risk strategies with business objectives.
➤Provide training and guidance to relationship managers and credit analysts on credit risk best practices.
➤Generate regular credit risk reports for senior management, highlighting key trends, exceptions, and recommendations.
➤Utilize data analytics tools to enhance decision-making and improve credit scoring models.
Requirements:
➤Bachelor's degree in Finance, Accounting, Business Administration, or related fields.
➤Professional certifications (e.g., CFA, FRM, or equivalent) are a plus.
➤Minimum of 7–10 years of experience in credit risk management, preferably within SME lending or personal loan sectors.
➤Proven track record in developing and implementing credit risk strategies and frameworks.
➤Strong analytical skills with the ability to interpret financial statements and assess creditworthiness.
➤Excellent knowledge of MAS regulations and credit risk guidelines in Singapore.
➤Strong leadership and decision-making abilities with the capability to work independently and manage a team.
➤Effective communication and stakeholder management skills.
➤Detail-oriented and highly organized with a proactive mindset.
➤Strong problem-solving skills and the ability to manage high-pressure situations.
➤Adaptable to evolving market conditions and regulatory landscapes.
➤Proficient in Microsoft Office Suite, especially Excel for data analysis.
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Koh Siew Xing
EA Registration No: R
Pasona Singapore Pte. Ltd.
EA License No:90C4069
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