Credit Policy & Portfolio Manager

The Credit Policy & Portfolio Manager will be responsible for developing and overseeing the implementation of credit risk policies that manage and control credit risk across the credit life cycle whilst meeting the needs of customers, businesses, and regulations. You are also responsible for monitoring the lending portfolio performance and do necessary action to maintain the portfolio performance at an acceptable level.

Formulate new credit policies and review existing policies Support BD in new products, product variations, and process change impacting risk Establish and monitor risk-based policy Credit analytics and segmentation to identify weaknesses of the portfolio and provide recommendation Perform periodic checks on the credit decision and collection efforts Provide Budget Planning and Realization for Risk Provide routine and ad-hoc risk credit, collection, and policy report Update and Risk Governance/Support on scope Credit Risk

Key Result Area: Credit Policies & Framework: Credit Policy Adjustment / Review Digitize Lending Process - Warp Development, Planning& Criteria: Risk part Budget Planning and Realization for Risk First Payment Default (FPD) by OS rating Vintage Mob DPD 14+ rating Secure Non-Performing Loan (NPL) rating Risk Governance/Support

Job Requirements: Minimum of 5 years of experience in Retail or SME credit risk management in credit processing, policy, and portfolio covering both consumer and/or unsecured risk for consumer and/or SME segments Prior experience in the banking industry and fintech P2P lending is a definite advantage Bachelor’s Degree in finance, Business Administration, Engineering, or other relevant qualification In-depth knowledge of overall credit management framework and policy building Strong analytical skills and attention to detail Innovative with good knowledge of financial technology available in the market to enhance overall credit quality in supporting business growth Able to communicate in English