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Senior Officer, RDM Analyst, Group Retail

Posting Date:  24-Nov-2021

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

  • Provide regular and adhoc credit risk analysis and advisory to business managers, senior management, regulators and key stakeholders.
  • Work with Business managers to optimize and monetize customer value through portfolio analysis, provide MIS support and the use of decision/statistical models.
  • Develop predictive models /analytics across the customer lifecycle, customer segmentation, acquisition, activation, relationship management, cross selling and retention.
  • Optimize underwriting (credit policies) and customer/portfolio management risk policies through use of analytics and champion challenger strategies. Ensure risk/return profile is optimized and within the banks risk appetite.
  • Generate, automate, analyze and monitor portfolio risk reports. Understand key requirements for new reports from a regulatory / non regulatory stand point, work towards generation and automation of reports.

Job Requirements

  • Undergraduate degree in a quantitative programme, such as Statistics, Mathematics, Operations Research, Finance and Economics degree with quantitative focus. Experience in predictive modelling, knowledge of advanced analytical techniques a big plus
  • 1-2 years of experience in lending space either in products, risk management, finance, decision science in a retail banking environment.
  • Strong computing skills: SAS, Enterprise Minor and R is a must, experience in Spark/Python will be highly preferred.
  • 1-2 years of experience in retail banking environment including reporting, analytics etc is a plus.
  • Analytical mind with sound business insight, good communication skills (verbal and written), detail oriented, quick learner and self motivated. Ability to collaborate with stakeholders to address key business challenges and opportunities and able to articulate solutions.

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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