Job Description

If you are looking to excel and make a difference, take a closer look at us\xe2\x80\xa6

Key responsibilities and Accountabilities :






Credit Policy:

• Review and update PFS Credit Policies from a risk perspective (credit, operational, regulatory compliance) as well as process flow efficiency and effectiveness.

• Establish / streamline / enhance the underwriting criteria for new and existing PFS products ( Mortgage, Hire Purchase, Credit Card, Personal Loans, Share Margin Finance, ASB) or tactical programs for Malaysia and Singapore market.

Portfolio Management & Analysis:

• Develop and track product performance for risk monitoring and ensure specific programs/ portfolios are within the required capping in terms of approving limit or delinquency performance.
• Recommend policy tightening or loosening based on reviews of portfolio performance, customer profiling/segmentation, including banking transactional data, learning from test programs and exceptions bookings.
• Initiate and perform sanitization checks for cross-sell / invitation-to-apply programs within the required timeframe, including highlighting expectations from the review.

Automation & Digitalization:

• To initiate or support both new and enhancement projects that have relevance to credit risk / policy for more effective risk & credit management purpose, including system developments and performing UAT.
• Develop / continuous enhancement on straight-through decisioning capability.

Control & Compliance:

• Ensure policies and SOP are compliant with regulatory guidelines.
• Conducting independent reviews and controls to strengthen governance within the department, identifying possible gaps/ breaches and implementing controls.

Jobholder Requirements:

Requirements

• Malaysian citizen

Education/Qualification

• Bachelor\'s degree or above (preferably in Finance, Banking, Accounting, Actuarial Science).

Experience

• Able to understand and explain data in terms of portfolio asset quality.

• Minimum 3 years of experience in banking industry, with exposure to credit risk management.
• Minimum 3 years of experience in driving / supporting loan origination system enhancement or process re-engineering scope (Preferably familiar with straight-through credit decisioning).

About Hong Leong Bank
We are a leading financial institution in Malaysia backed by a century of entrepreneurial heritage. Providing comprehensive financial services guided by a Digital-at-the-Core ethos has earned us industry recognition and accolades for our innovative approach in making banking simpler and more effortless for our customers. Our digital and physical offerings span across a vast nationwide network in Malaysia, strengthened with an expanding regional presence in Singapore, Hong Kong, Vietnam, Cambodia, and China.

We seek to strike a balance between diversity, inclusion and merit to achieve our mission of infusing diversity in thinking and skillsets into our organisation. Candidates are assessed based on merit and potential, in line with our mission to attract and recruit the best talent available. Expanding on our \xe2\x80\x9cDigital at the Core\xe2\x80\x9d ethos, we are progressively digitising the employee journey and experience to provide a strong foundation for our people to drive life-long learning, achieve their career aspirations and grow talent from within our organisation.

Realise your full potential at Hong Leong Bank by applying now.