Mgr, Credit Portfolio Risk Manager

**WHO WE ARE**:
As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.

We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

**Why join**:
Our Risk Portfolio Management team plays a crucial role in measuring, managing and optimising risks to optimise credit portfolio performance. By joining us, you will have the chance to make a tangible impact on our organisation's success and contribute to the achievement of our strategic goals. We have an opportunity in the area of Risk Appetite and Credit Concentration as part of credit portfolio management.

**How you succeed**:

- **At least 3-5 years of relevant experience in credit risk management, preferably covering both Wholesale and Retail portfolios.**
- Strong understanding of credit risk principles and portfolio dynamics; understanding how changes in operating environment and event risk impact the credit portfolio and identifying vulnerable segments for management attention.
- Experience in credit portfolio management is an added advantage
- Strong analytics & quantitative skills, coupled with excellent communication & stakeholder management skill.
- Proficient in programming languages (e.g. Python, SQL, SAS) and business intelligence tools (e.g. Power BI) to analyse and visualise data.
- Agile mindset and willingness to learn.

**What you do**:

- Assess risk & opportunities in the operating environment to enable more effective risk-taking aligned to our risk appetite and against economic, structural and cyclical conditions.
- Analyse and measure portfolio credit concentration and performance across multiple dimensions, including legal entity, business unit, customer segment, product, industry, geography.
- Identify emerging trends and key drivers, drawing actionable insights to inform management discussion and recommendations.
- Collaborate with cross-functional teams to ensure risk assessments are integrated into business strategies and decision-making processes.

**Who you work with**:
Group Risk Management works independently to protect, build, and drive our businesses. The team support good decision-making. With strong risk analysis. And a crucial, comprehensive role in sharpening our competitive edge. Optimising risk-adjusted returns. It’s about seeking and adopting best-in-class practices. Protecting the group from unforeseen losses. Keeping risk within appetite. Embracing change and managing growth in one of the world’s strongest banks.

**Who you are**:

- Independent, creative with a pro-active problem-solving mindset
- Strong interpersonal skills to collaborate effectively with team members, senior management, clients, and external partners.
- Strong verbal and written communication skills to convey complex risk concepts clearly and concisely.

**What we offer**:
Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.