Head of Credit Policy & Portfolio Management

Job title: Head of Credit Policy & Portfolio Management

Company: OCBC Bank


Job description: POLICY
1. Active review of policy to ensure robust end to end credit risk management of Retail Portfolio (Emerging Business/ SME and Consumer portfolio).
2. Align local policy with Group’s and administer local L3-L5 policy, including Regulatory changes and Developer’s Project End Financing guidelines.
3. Engagement with business and senior management on risk issues and business initiatives.
4. To furnish management update and analysis on portfolio health & performance.
5. To closely monitor portfolio performance to manage credit quality and pre-empt potential broadening of credit deterioration.
6. Assist in preparation of credit / risk reports / updates to various stakeholders including local management / Board, Group office as well as external parties such as BNM / MAS.PORTFOLIO MANAGEMENT
1. To perform timely segmentation performance reviews to identify risk mitigations for the purpose of addressing early signs of potential portfolio concerns
2. Preserve portfolio quality through early warning B-score triggered reviews. To complete triggered reviews within timeline from receipt of listing from portfolio analytics team
3. To carry out timely portfolio actions at customer level per Early Warning portfolio review guidelines
4. To advise and recommend preventive actions where required, including revision to policies to uphold the Bank’s retail portfolios risk appetite.QualificationsJob Requirements

• A recognized Diploma/Degree or equivalent, preferably in Accounting, Finance, Commerce, Economics or Business coupled with minimum 10 years of relevant working experience
• Possesses a positive, can do attitude.
• Good planning and organizing skills.
• High integrity, outgoing and prepared to make changes and learn best practices.
• Excellent command in both written and spoken English.
• Independent, self-motivated, resourceful and excellent interpersonal skills.

Expected salary:

Location: Malaysia

Job date: Fri, 21 Mar 2025 07:00:48 GMT

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