Vice President - MIS Credit Collection Analytics - BFS

- Support sound credit risk management and achieve optimal level of risk-reward balance for CBG portfolios

- Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with internal controls and regulatory standards

Key Accountabilities :

- Perform portfolio analysis, monitor portfolio performance and proactively manage emerging risks due to macro-economic and regulatory changes.

- Forward-looking risk identification and management across different risk types.

- Engage proactively with stakeholders from Business, Business Analytics, Credit Strategy, Credit Approval, Technology, Operations

- Provide management and regulatory reporting and commentary on portfolio performance and key trends

- Support Credit Digitalisation projects

Duties & responsibilities :

Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.

- Run and produce MIS for reporting on risk exposures and metrics to enable informed and strategic decision-making.

- Identify opportunities/ gaps to improve data quality and existing reporting processes

- Apply analytics and data mining techniques using credit data and alternative data sources to monitor portfolio performances based on established portfolio triggers

- Present MIS & data in required formats which are visual, universally understandable or easy to interpret (e.g. dashboards).

- Analyse portfolio performance to assess risks and opportunities to maximize product profitability.

- Conduct portfolio stress testing to establish portfolio risk tolerance.

- Establish credit methodology to derive customer level income and max indicative secured credit limit using banking and credit bureau data.

- Provide UAT support for any data migration or MIS platform enhancement to ensure successful implementation.