Credit Risk Portfolio Analyst (Senior Officer, Manager-Assistant Director) Ascend Money

Responsibilities

• Develop and implement Acquisition and Account Maintenance credit policies for unsecured loan products. Ensure all credit policies are complied with regulatory and compliance requirements.
• Design report/dashboard and monitor portfolio credit performance to identify issues or new & innovative credit processes. Ensure that appropriate actions are promptly taken if necessary.
• Provide deep dive portfolio analysis and strategic proposals to optimize portfolio quality and profitability. Effectively conceptualize analysis to various stakeholders.
• Collaborate with Business, Credit Operation, Credit Risk Scoring, and other units to ensure the effectiveness of account maintenance activities and business growth with continuous improvement in credit quality.
• Collaborate with the Finance unit on portfolio planning for potential loss and reserve requirements.
• Provide initiative on new systems, tools and processes to ensure efficiency.
• Perform the other assignments assigned by the Management team.

Qualifications

• Bachelor’s and/or Master’s degree in Economics, Business Administration, Statistics, Mathematics, Engineer or related fields.
• 3-10 years' experience preferably in Credit Risk Management in Banking & Finance Business.
• Data query/manipulation using SQL is preferable.
• Good analytical, data visualization and presentation skills.
• Good command of written and spoken English.
• Multitasking, self-motivated and fast & independent learner.