Head of Credit Product Management

3 months ago


Singapur, Singapore SMBC Group Full time

Responsibilities

Financial Resource management

Centrally manage balance sheet / RWA across Financing business to drive RoE and growth. RWA and optimization to deliver balance-sheet velocity, revenue and enhance returns. RWA methodology and RoE management on resource utilization across individual deals and portfolio. Assessment of cross-sell and ancillary revenue opportunities for each financing. Reporting and forecasting of financial resources and revenues. Expense management and efficiency measures across people and non-people expenses across the Financing business.

First Line of Defence (“FLOD”) Risk management

Enhance underwriting capacity and activity across financing spectrum supporting Loan Capital Markets. Introduce best-of-class centralized approach to risk, counterparty and exposure monitoring to enable early warning and proactive risk measures to protect the Bank. Assess, manage and address risk capacity, limits and concentrations via periodic and episodic reviews. Drive new business proactively from portfolio exposures (eg. Refis, pitches, exits) Introduce process of asset prioritization to drive balance sheet velocity. Utilize credit protection tools to address idiosyncratic and portfolio risk considerations. Develop, structure and implement tools / approaches for risk transfer (eg. SRT, CLN, CLO etc) for RoE enhancement and balance sheet capacity creation. Streamline efficiency and effectiveness of credit processes, procedures and forums in close co-ordination with second line of defence.

Strategic Impact

Development an enhancement of financing platform to address internal/external (market, client regulatory, regional) dynamics. Engagement in development of new products and capabilities. Establish restructuring / work-out capabilities. Identify an unlock synergies to support APD and SMBC Group including, amongst others, first-line of defence risk management / portfolio management or other credit related matters across APD coverage teams; support bank-securities collaboration from a financing perspective; active engagement in strategic opportunities including implementing alternative asset management strategy, joint-ventures, capital engagements with third parties including SMBC Group companies.

Candidate Profile

15+ years of direct experience at leading financial institutions in financing or financing-related activities. Proven track record as Managing Director at global financial institution, including managing teams. Direct experience in specific structured financing-related areas, including: Managing Asian credit portfolios across performing and non-performing assets (portfolio RWA in excess of $10bn); Supervisory responsibility for trading books in Asia Pacific credits with direct P&L responsibilities; Portfolio management expertise across investment grade and high yield assets (private and public credit) in Asian credits; Completed risk transfer mechanisms such as CLO, capital hedging, insurance hedging for Asian credit portfolios; Ability to sell-down structured credit exposures to third parties for capital relief or balance sheet exposure reduction; Experience in loan valuation, operation and product control functions supporting financing activities; Engagement at senior most (Divisional / Group level) forums on capital / balance sheet and credit portfolio discussions; Track record in engaging second line of defence risk functions (credit, market risk, reputational risk); Experience in managing / executing strategic projects or new initiatives the require front-to-back alignment to benefit the Bank; University graduate with strong academic background. Professional qualification in accountancy preferred. Deep financial market experience and demonstrated financial/risk analysis, and marketing skills.

Behavioural Competencies

Disciplined approach to risk management across various risk types in Asian markets. Astute and possess a keen eye for detail, good credit sense and critical thinking/analytical skills. Articulate with strong written, oral communication and interpersonal skills. A team player but also independent and self-motivated and resourceful Ability to work collaboratively with broad range of stakeholders in complex organizations. Good organisation skills and ability to prioritise, manage and meet expectations/deadlines with strong work ethics, integrity and commitment.

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