AVP, Senior Analyst, Credit Risk Modelling

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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.

Who We Are

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

As a Senior Analyst in the Credit Risk Modelling team, you will play a crucial role in developing and maintaining sophisticated credit risk models that inform strategic decision-making across the bank. You will have the opportunity to work on high-impact projects, collaborate with cross-functional teams, and contribute to the bank's risk management framework. This is an exciting opportunity to build a rewarding career with a leading financial institution.

How You Succeed

To excel in this role, you will need to demonstrate a strong understanding of credit risk modelling, technical expertise in data analysis and programming, and excellent communication skills. You will be responsible for leading the development of credit risk models, working closely with stakeholders to identify business needs, and ensuring that models are robust, accurate, and compliant with regulatory requirements. Your success will be measured by the quality of your models, your ability to communicate complex technical concepts to non-technical stakeholders, and your contribution to the bank's risk management framework.

What You Do

• Develop, implement, and maintain credit risk models supporting the Consumer, Small Business and Wholesale segments of the Group.
• Monitor, back-test and report performance of the models to ensure adherence to performance standards and early detection of weaknesses.
• Develop and maintain user requirements, parameters and configurations of systems housing the models.
• Work closely with independent model validators to ensure compliance to model governance framework and timely closure of validation findings.
• Engage with auditors and regulators to ensure compliance with relevant requirements.
• Engage with various stakeholders to develop analytical solutions using model outputs in credit decisioning, business strategies, allowance, and capital assessment.

Who You Are

• Degree in Quantitative/Financial discipline, such as Accounting, Finance, Economics, Mathematics, or equivalent professional certifications.
• Working experience in credit analysis/modelling or credit risk management of Consumer, Small Business and/or Wholesale portfolios.
• Analytical and independent thinker with strong written and verbal communication skills.
• Ability to interact and communicate effectively with senior management.
• At least 3-5 years of relevant experience in a related area.
• Strong computational skills, preferably in SQL, Python, SAS etc. with an experience in handling data and performing quantitative analysis.
• Good understanding of Basel III, IFRS regulations and credit products.

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.

Equal Employment Opportunity

OCBC is an equal opportunities employer.