Credit Risk Specialist
2 days ago
**Location**
- Singapore, Central Singapore**Job Type**
- Permanent**Salary**
- $6,000 - $12,000 Per Month**Date Posted**
- 49 minutes agoAdditional Details
**Job ID**
- 107862**Job Views**
- 1Roles & Responsibilities
**About Standard Chartered**
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.
We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.
We're looking for a Credit Risk Specialist to work onsite. We are a brand new Digital Full-Bank in Singapore, with new and exciting problems to solve. We work in project-based sprints in small, interdisciplinary teams.
As a Credit Risk Specialist, you'd be able to work on and solve some of the many interesting challenges we are facing, learn new ways of working, and 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 for Retail Assets, leveraging data and analytics outcomes.
**The Role Responsibility**:
- Analyse diverse data required to develop risk strategies for the Digital Venture
- Undertake credit 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 data-driven risk strategies (income estimation, cut-off setting, indebtedness checks, loan amount assignment, risk-based-pricing) for lending products using traditional, and non-traditional data
- Decipher and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy
- Ensure new origination and portfolio performance meets defined key performance indicators and are within the defined risk appetite
- 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
**Role Specific Technical Competencies**
- 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.
- Self-starter, motivated.
Tags
credit
risk
specialist
digital
bank
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