Managing the credit risk associated with AL Portfolio. Each portfolio separately through the effective use of credit policy (including acquisition and portfolio management policy), process, systems, tools and management information.
Participate to develop and implement credit policy and related credit criteria/guideline for AL products to optimize risk and return and ensure risk cost and NPL are better than or within plan.
Prepare analysis and assist to develop and propose testing program on credit policies including take full accountability for implementation of those policies and monitoring testing result.
Assist to review existing credit policies and developing new practical policy to balance risk and rewards on annual basis or when there are changes in operating environment and/or from regulatory landscape.
Prepare template and data and conduct responsible Loan portfolio loss forecast and monitoring.
Assist to establish AL Risk Appetite align with Bank wide framework to ensure portfolio are within acceptable risk level.
Prepare analysis for monitoring that early warning strategy is effective.
Ad hoc analytical assignments.
Qualifications;
Master Degree in related fields for example, Economics, MBA, Statistics, Accounting, Finance (Bachelor Degree as a minimum)
Good team player with a decent attitude toward hard working and working under pressure
At least 5 year experiences in banking industry especially on retail credit risk (recommended)
Problem Solving & Decision Making Skill
Analytical Skill (Analytical mind with innovative thinking)
Ability to communicate complex ideas effectively in English both verbally and in writing
Computer and tools Skill (such as SAS, Power BI, Microsoft Office, Tableau, etc.)
