AVP, Risk Analytics (SME Banking)

About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values – Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

Job Description

Manager - AVP level within the SME Banking Risk Analytics Team, working closely with the Risk Analytics Team Leader to deliver decision-ready analytics that reduce unnecessary risk and improve risk-adjusted return. The position operates with a high degree of autonomy and is expected to influence portfolio and risk-based strategies across SME Banking, while continuing to build technical and analytical expertise in a fast-paced environment. Over time, this role offers the potential to grow into a broader risk analytics or portfolio-level leadership position.

Key Responsibilities

• Manage, clean, and prepare internal and external data for monitoring and analytical assessment of SME Banking portfolios, providing insights and recommendations to enhance portfolio quality and optimize risk-return outcomes including data quality and integrity reports.
• Develop deep-dive analytics across portfolios, products, and customer segments to identify emerging trends, opportunities for SME Banking teams in making decision-ready analytics for business decisions.
• Deploy and enhance pre-emptive early warning signals and monthly triggers to prevent delinquencies, NPLs, and support optimization of banking reserves, through continue enhancement of the triggering framework and improvement of model accuracy.
• Work closely with business users, credit approvers, collections, and relationship managers to align risk parameters, lending policies, product pricing with business strategy and regulatory requirements while generating analytics input for program design and refinement.
• Generate, monitor, assess and improve regular portfolio performance reports and dashboards for senior management, regulators, and key stakeholders, including ad-hoc credit risk analysis and advisory.
• Collaborate with Analytics Support and IT Teams to enhance the Analytics data mart and support system improvements that strengthen portfolio management capabilities.

Qualifications

• Master’s degree in data science, Statistics, Engineering, Economics, Finance, or related quantitative field.
• 5-8 years of experience in credit risk analytics, portfolio management, or risk modelling, ideally within SME or Retail Banking.
• Strong analytical mindset with experience analyzing large datasets and translating insights into actionable business and risk decisions.
• Proficient in analytical tools, visualization tools, and programming languages (e.g., SAS, SQL, Python, Power BI, or R), with experience handling large datasets and data warehouses / analytics data marts.
• Good understanding for credit risk concepts, product structures, regulatory requirements, and portfolio reporting frameworks in banking.
• Excellent communication and stakeholder management skills, with the ability to present complex analytical findings to non-technical business and senior leaders.
• Proficient in English (written and verbal), with confident presentation and documentation skills.
• Willing to learn adapt with ’can do’ attitude; pragmatic and focused on both short & long-term results.
• Strong interpersonal skills with Entrepreneurial mindset.

Additional Requirements

The Bank requires the checking and collection of criminal records for candidates of this position in order to verify qualifications and/or disqualifications for the job position in accordance with the Bank’s policy.