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Posting Date:  17-Oct-2021

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 Credit and Risk Management function is comprised of three teams: Risk Management, Credit and Special Asset Management. We manage the risks arising from the Group’s business activities within the risk appetite established by the Board. This involves identifying and evaluating the risks, developing effective risk governance and strategies as well as providing independent assessment of the overall risk profile.

Job Responsibilities

You will be one of the senior members of the unsecured policy team, reporting to Unsecured Policy Head for Singapore. You will be responsible for leading analysis for review of unsecured credit policies; provide portfolio performance updates to policy managers and will be responsible for UAT for implementation of policy changes. You will also be involved in strategic projects for digital banking response.

  • Responsible for adhoc analysis as required for policy evaluation. To evaluate credit / marketing program performance and provide insights to policy managers to improve acquisition and portfolio management strategy.
  • To perform regular monitoring and analyses of portfolio performance to ensure that sound portfolio quality is maintained. To track and monitor Product Program performance benchmarks and work closely with Credit Approval, Credit Management etc. on product programs and portfolio monitoring report generation.
  • To liaise with Policy Managers to review and ensure that Product Programs are renewed on timely basis.
  • To prepare and review regular decks with portfolio management information for senior management reporting. To coordinate with Credit Approval/Operations/Credit Management and other teams to ensure timely completion.
  • To establish early warning mechanisms, stress tests and contingency plans for business recovery management purposes. To collaborate on relief management projects during crisis period and appropriate tracking.
  • To involve in reviewing the usage of scorecards (including strategy) and other risk management tools/systems to ensure that newly acquired customers are of acceptable quality. To monitor approval rates and analyse reason behind approval rate changes and highlight to Policy Managers.
  • To liaise with relevant teams and team members (internal or external) for development & enrichment of data-marts so as to improve data usage for Credit Decisioning purposes. To support data infrastructure development and enhancement to support MIS generation / policy evaluation. To be able to provide guidance and support to team members.
  • To lead UAT for system changes required for implementation of policy changes.

Job Requirements

  • At least 6 years of working experience in a retail banking role preferably in credit risk policy, MIS and portfolio management capacity.
  • Degree holder with background in Business & Finance, Engineering, Computer or information Science or Statistics. Others with relevant working experience will also be considered.
  • Analytical mind with sound business acumen, good ability in dealing with people, good communication and presentation skill (verbal and written), meticulous and self-motivated.
  • Strong SAS programming background with knowledge of Enterprise Guide, Enterprise Miner or SQL query skills. Strong PC skills in Excel and Powerpoint.
  • Knowledge of strategy manager will be an additional advantage.
  • Familiar with Scorecard developments, Basel Capital Rules and local regulatory landscape with regard to retail lending practices will be preferred.
  • Ability to prioritize, plan and manage at both strategic and working levels.

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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