[ref. r64950701] Credit Risk Control Manager - Bukit Merah

• Evaluate creditworthiness of SME working capital loan and personal loan applicants.
• Conduct detailed financial analysis and assess repayment capacity to ensure loan approval aligns with the institution’s risk appetite.
• Develop, implement, and maintain credit policies and procedures in line with regulatory requirements and company objectives.
• Regularly review and update credit risk frameworks to adapt to changing market conditions.
• Monitor and analyze the loan portfolio to identify potential risk concentrations and ensure adequate risk diversification.
• Ensure credit risk practices comply with the Monetary Authority of Singapore (MAS) guidelines and other relevant regulations.
• Oversee robust mechanisms to identify and prevent fraudulent activities within SME and personal loan applications.
• Liaise with sales, operations, and legal teams to align credit risk strategies with business objectives.
• Provide training and guidance to relationship managers and credit analysts on credit risk best practices.
• Generate regular credit risk reports for senior management, highlighting key trends, exceptions, and recommendations.
• Utilize data analytics tools to enhance decision-making and improve credit scoring models.

• Bachelor’s degree in Finance, Accounting, Business Administration, or related fields.
• Professional certifications (e.g., CFA, FRM, or equivalent) are a plus.
• Minimum of 7–10 years of experience in credit risk management, preferably within SME lending or personal loan sectors.
• Proven track record in developing and implementing credit risk strategies and frameworks.
• Strong analytical skills with the ability to interpret financial statements and assess creditworthiness.
• Excellent knowledge of MAS regulations and credit risk guidelines in Singapore.
• Strong leadership and decision-making abilities with the capability to work independently and manage a team.

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