Retail Policy and Portfolio Monitoring

Job Scope

·         Deep dive analysis and monitoring credit performance of new acquisition by analyzing first year default cases, trigger actions if vintage reaches critical levels. Coordinate all parties to provide mitigation steps.

·         Revise underwriting standard to manage default rate within MOB12 to be acceptable ratio (products are profitable)

·         Quality check when account is default in the first year. To investigate and analyze root cause of credit risk default and to recommend improving credit process.

·         Summarize key findings and report it to the Team Head of Retail Credit Policy & Portfolio Management for further actions.

·         Perform analysis to find opportunity on selective segment with acceptable risk level and prepare underwriting standard according to initiatives. Plan and perform A-B testing of different underwriting policies in combination with credit scoring, provide comparative study of the champion challenger approach. Closely monitor initiatives/ test programs and adjust underwriting rules if it requires.

·         Plan and manage risk related change requests in the approval process, organize UAT and coordinate amongst the different stakeholders.

·         Act as an expert of data interpretation, perform data investigation related to the portfolio management, help the analytics team by liaising with CRI or Datawarehouse in defining new or changed fields, data structuring and definition.

·         Manage the development of the credit risk data self-service platform by drafting requirements and approving results.

·         Continuously improving reporting ability by actively coming up with aspects and dimensions that are to be monitored.

·         Regularly provide comprehensive and high-quality portfolio risk measurement, analysis and reporting on retail segment to Senior Managements and Committees within target dates or timelines to take the right strategic decisions on timely manners through deep-dive analysis.

·         Provide recommendation according to deep dive analysis for loss mitigation.

·         Support all portfolio management strategy & associated risk reward optimization initiatives across Acquisition, Account management & debt collection & recovery functions.

Qualifications

·         Bachelor’s degree or Higher in Finance & Banking, Economics, Business Administration, Engineering.

·         At least total 5 years experienced in retail credit policy, portfolio monitoring, retail risk management, Finance.

·         Strong computer skills required, proficiency in Excel, SAS enterprise guide, Power BI

·         Demonstrated aptitude for analytics and exceptional problem-solving skills

·         Ability to communicate complex ideas effectively – both verbally and in writing – in English