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Manager/Senior Officer, Credit Transformation (Credit Analyst), TMRW Digital Group

Posting Date:  21-Jul-2022

Raffles Place, Singapore, SG

Company:  United Overseas Bank Limited

About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices.

Our history spans more than 80 years. Over this time, we have been guided by our values — Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

About the Department

The Retail function provides Personal and Business Banking customers with financial solutions tailored to their needs. We help them manage their money wisely and meet their financial goals through an extensive range of products and services. These include deposit, insurance, secured and unsecured loans, investment and wealth advisory services.


Personal Financial Services

We design and provide products and services that empower our customers to enjoy greater banking convenience while they extract more value from their money. In particular, we are focused on promoting and developing healthy saving and investment practices across generations.

Job Responsibilities

The role is accountable for the development and maintenance of risk strategies to balance the risk and reward for new and existing of credit products, and apply test and learn methods to new market and customer segments, and to design and monitor the fraudulent activities.
The individual is required to work closely with the Credit Policy, Business/Products, Finance and Operations functions to develop and deploy logic for managing credit and anti-fraud policy and strategy. The responsibilities include:

  • Developing, testing, and optimizing credit policies/strategies including full accountability for implementation of those policies and processes
  • Performing profile analysis and designing test to target new customer segment, analyzing test result and applying the rest result to improve the current strategy
  • Identifying alternative data and testing the effectiveness in utilizing new data in differentiate the risk
  • Monitoring and investigating the fraudulent risk and cases and designing strategies to mitigate the risk
  • Supporting ad-hoc risk policy analysis and projects as required
  • Ensure regulatory compliance

Job Requirements

  • Self-motivated with learning and growing mind
  • 1-3 years’ experience with data analytics, with anti-fraud related experience is preferred
  • Bachelor’s degree in a quantitative discipline or business. Master’s degree preferred.
  • Good project management skills and ability to manage multiple priorities and work under tight deadlines
  • Excellent verbal and written communication and presentation skills
  • Ability to interact successfully with business partners, operations, technology and finance teams
  • Strong planning, coordination and organization skills
  • Ability to work effectively in a cross-functional organization
  • Proficient at SQL and Python programming

Be a part of UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

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