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On-site
Experience
Experienced
About the role
This senior role sits within the WRB risk management team and oversees the secured lending credit risk strategy for both Singapore and the global mortgage portfolio. The job holder directly manages the country CRM function for mortgages in Singapore while also supporting Group CRM priorities. It suits an experienced risk leader with deep retail lending credit policy expertise.
What you'll do
Ensure compliance with the Bank's credit and local regulatory requirements through effective controls across all credit cycle functions.
Manage credit loss levels and maximise economic profits through profitable growth.
Support healthy asset growth, desirable market share and quality fulfilment of customer promises.
Define and execute the secured lending credit risk strategy for Group and Singapore in line with the Group risk management framework and approved risk appetite.
Anticipate and respond to economic, regulatory and market developments through proactive portfolio management and risk mitigation.
Provide insight, analysis and independent challenge to support risk appetite, credit policy and governance decisions.
Drive sustainable portfolio growth and shareholder value through an appropriate balance of risk and return.
Communicate and embed secured lending risk strategy and priorities across Group, country and first-line stakeholders.
Partner with business and product teams on target market strategies, product propositions and new initiatives.
Deliver portfolio analysis, forecasting and risk-based challenge to optimise business performance within risk appetite.
Ensure the capabilities, infrastructure and expertise required to support evolving secured lending business needs.
Own and maintain secured lending risk appetite, standards and credit policies across Group and Singapore.
Manage portfolio risk, growth, profitability and asset quality through ongoing monitoring, segmentation and targeted portfolio actions.
Oversee portfolio performance using analytics, stress testing, early-warning indicators and risk assessment frameworks.
Translate risk appetite and risk-return objectives into effective underwriting policies, portfolio strategies and credit decisions.
Provide subject matter expertise throughout model development, implementation and monitoring.
Challenge collections strategies, impairment forecasts and remediation actions to address emerging delinquency trends.
Provide independent oversight and challenge to business and control functions, leading responses to material risk events, policy breaches and emerging issues.
Report portfolio performance, risk exposures, macroeconomic developments and strategic opportunities to senior management and governance forums.
Review and approve credit proposals, policy dispensations and product programmes.
Maintain Group and Singapore mortgage Credit Approval Documents (CADs) and provide guidance on country-specific addenda.
Ensure robust governance, controls and assura
Requirements
15+ years of direct experience managing credit policy for retail lending products, including credit cards, personal loans and mortgage loans
Retail and Private Banking credit risk expertise
Strong communication and influencing skills
Business partnering capability
Experience in both Singapore and Group-level roles is preferred
Exposure to other areas in Risk, including collections and underwriting, is preferred
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