Trust is the first of a new breed of banks in Singapore – digitally native and focused on delivering a delightful customer experience. You will work in a fast-paced and collaborative environment to solve new and interesting challenges each day. Together with our Trust team, you will help shape the future of our bank.
As a Credit Risk Specialist you'd be able to work on and solve many interesting challenges which we are facing, learn new ways of working, and help build delightful high-quality products for our customers.
Job Description
To design and build Credit risk management solutions and strategies for entire customer lifecycle, i.e., Originations, Portfolio Management and Collections, for Retail Assets, leveraging data and analytics outcomes.
The Role Responsibility:
- Analyse diverse data required to develop risk strategies for the Bank
- Undertake credit and fraud risk strategy design and development on lending propositions, with focus on high quality, delivery within agreed timelines and alignment with approved credit policy
- Design, develop and implement data-driven risk strategies (cut-off setting, indebtedness checks, loan amount assignment, risk-based-pricing) for lending products using traditional, and non-traditional data
- Decipher and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy
- Ensure new origination, portfolio and collections performance meets defined key performance indicators and within the defined risk appetite and ensure consistent application and enforcement of risk policies
- Ensure that risk strategies are accurately tested and continually benchmarked with the help of advanced data analytics
- Work independently with various stakeholders such as Product, Technology, Data Engineering, Analytics, etc. to align with business goals
- Lead the effort on documentation and adhering to risk approval process related to risk strategy design and development
Role Specific Technical Competencies:
Skill
Target proficiency level
Retail Lending Product/Business Knowledge
Core
Full-cycle Credit Risk Management Principles
Core
Data Manipulation and Credit Risk Metrics
Advanced
Data-driven Strategy Formulation and Analytics
Advanced
Local Regulations governing Retail Lending and Credit Risk
Core
Our Ideal Candidate:
- At least 5 years of relevant experience
- Good judgement and clear thinking in solving business problems
- In depth understanding of local regulation related to unsecured lending.
- Strong analytical ability, with technical competency to deliver industry standard outputs
- Sound knowledge of Credit Risk, with ability to perform related data analysis for strategy development, customer segmentation, and/or credit policy formulation
- Solid experience in credit risk modelling, including PD, LGD, and EAD frameworks. Proven track record in applying credit risk model, and/or model implementation and validation
- Good understanding in latest developments in Artificial Intelligence and Machine Learning models preferably in the context of retail credit risk
- Strong interpersonal skills with the ability to engage and influence multiple stakeholder and drive decisions
- Strong Communication (written and oral) and presentation skills.
- Self-starter, motivated, curious, and energetic to grow with the Bank.
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Come as you are! Trust is an inclusive and open-minded workplace. If you are good at what you do and care about doing a good job, that’s what we focus and want from you. So come as you are.
