Associate Director

Job ID: 27956

Location: Singapore, SG

Area of interest: Operations

Job type: Regular Employee

Work style: Hybrid Working

Opening date: 7 May 2025

**Job Summary**

The Associated Director, GPO Support, Credit CoE supports the Global Process Owner (GPO) Delegate of the Credit & Credit Monitoring process universe for Client Coverage. The role holder acts as the Credit Origination Process Lead, serving as a first line of defence for the Business and leading the implementation and administration of a policies, standards and processes affecting or impacting the Credit Origination activities, across multiple Principle Risk Types including Credit Risk, Operational Risk, Reputational and Sustainability Risk, and Compliance Risk.- The role holder is expected to deliver significant improvement in frontline operational and risk culture and standards of excellence and embed appropriate mechanism to augment existing controls through a proactive review approach to identify indicators of process risk, enabling early action and minimise potential losses.- To lead the ideation on process simplification opportunities for Credit Origination processes and supervise the subsequent implementation of approved initiatives from a process implementation standpoint.**Key Responsibilities**

**Strategy**
- Support the implementation of business strategies and risk management in the frontline Credit Origination space.
- Support and contribute to the broader Client Coverage risk management and process simplification agenda.
- Function as champion within the Client Coverage organisation on Credit CoE objectives.
- Develop and raise the profile of the Credit CoE team with Business and second line stakeholders.
- Advocate a culture of frontline risk ownership within Client Coverage and the COO organisation.

**Business**
- Support the evaluation and identification of process and risk implications of business strategies, projects and programmes, and provide guidance on any risk remediation actions.
- Ensure process and system change initiatives are reviewed, impact assessed, refined and signed off for implementation.
- Provide support to Coverage COO strategic initiatives and transformation programs ensuring global adoption of initiatives in line with Business Objectives.
- Develop awareness of business changes, predict challenges and identify opportunities to optimise people & processes and add value to client & frontline.

**Processes**
- Support frontline policies and standards implementation, simplification, and problem resolution.
- Collaborate with other members of the team to develop assurance mechanisms via the bank’s operational risk framework and RCSA process to validate effectiveness of policy/standard/controls implementation.
- Responsible for working with third line to resolve any group specific issues and actions for Credit & Credit Monitoring.
- Responsible for resolution of front office queries that arise in the Credit & Credit Monitoring processes.
- Responsible for coordinating with stakeholders (CAs, CM, CPOs, R&C, business heads etc) across the region and countries, and to increase transparency and share key developments, learnings and best practices.

**People & Talent**
- Oversight and development of the Central Quality Assurance testing team within the GBS Hub Team for credit origination processes

**Risk Management**
- Responsible for identifying risks and instituting control framework and supporting the business across the globe in minimizing risks and losses.
- Responsible for understanding and mapping out end to end Credit Origination processes and further identifying non-standard processes and assist to ensure appropriate control mechanisms are agreed and implemented.
- Lead reviews of all proposed process and system changes to ensure any material impact is identified and addressed with a focus on multiple PRTs that touch the process including:

- Credit Risk: Financial Analysis and BCA preparation, Excess and Past Due Management
- Reputation and Sustainability Risk: Environment and Social Risk Assessment, Promoter Due Diligence, Reputational Risk Assessment
- Compliance Risk: Appropriateness and Suitability
- Build strong relationships with 2LOD across the Risk Types and support in the management of the Bank’s Risk profile.

**Governance**
- Responsible for overseeing and ensuring adherence to specified BAU operational risk deadlines, along with designing & maintaining RCSA framework and Top Down Reviews for front office Credit origination processes under the governance of the role across the globe.
- Responsible for oversight centrally of GBS performed assurance checks (CSTs/KCIs) to ensure standardisation & consistency including continuous training and guidance to the team.
- Represent the Credit Origination process matters at the Credit NFRC and other Sub refinement forums.

**Regulatory & Business Conduct**
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal r