AVP/VP, Emerging Business Credit Risk Management

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.

 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

Join a dynamic regional credit risk team where you will play a pivotal role in shaping and strengthening credit risk management practices across multiple markets. This role offers a unique opportunity to work at both strategic and execution levels—driving regional credit initiatives, influencing policy and framework development, collaborating with diverse stakeholders across countries, and supporting business growth through sound risk management. You will gain broad exposure to regional banking landscape, operations, emerging lending solutions, and best-in-class credit practices while making a tangible impact on portfolio quality and business performance.

How you succeed

Success in this role comes from combining strong credit risk expertise with a collaborative and commercially balanced mindset. You thrive by building trusted partnerships with regional and local stakeholders, applying analytical rigor to credit decisions, and effectively navigating diverse market requirements. Your ability to provide practical guidance, identify emerging risk trends, drive policy implementation, and champion best practices across the region will be key to delivering sustainable portfolio growth while maintaining robust risk standards.”

What you do

Regional (70%)

• Execution of “Global Design, Local Implementation” strategies and plans for CRM.

• Alignment of Subsidiary CRMs to Group CRM and provide oversight, monitoring and guidance to Subsidiary CRMs on:
  - Credit Policy.
  ​- Credit Framework.
  - Credit Programs.
  - Credit Procedures / Processes.
  - Products and initiatives e.g. test programs.
  - Systems.
  - Fraud Framework.

• Support Subsidiary CRMs during Credit Risk Review through oversight and sharing of regional findings / experience.

• Oversight of NPL and risk triggers and monitor remedial actions if breached.

• Pollinate credit best practices across the Region.

• Support implementation of alternative lending across the Region.

Group (30%)

• Responsible for renewal of Group Credit Policies and dissemination to Subsidiary CRMs.

• Support Business Unit in achieving its lending goals while maintaining sustainable credit risks through:

• Prudent credit assessment of non-STP Credit Proposal and Credit Memo.
  - Ensure approval complies with regulations, credit policies, product program guidelines and within Lending Authority Limit
  - Ensure no new account turning NPL within 12 months from non-STP approval.

• Contribute to achieve satisfactory internal and external audit ratings.

Who you are

• At least 5 yrs of credit / frontline related experience with regional exposure.

• Good understanding of:
  - Small Business Banking products and industries.
  - Portfolio / Delinquency credit framework.

• Possess strong interpersonal, communication and effective negotiation skills.

• Adaptive and sensitive to local country requirements and able to achieve desired results.

• Excellent analytical and quantitative skills, with strong attention to detail.

• Self-motivated and able to work both independently and within a team.

• MS Excel and data analytics skills.

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.