Job Description

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.

About the Department

The Retail function provides Personal and Business Banking customers with financial solutions tailored to their needs. We help them manage their money wisely and meet their financial goals through an extensive range of products and services. These include deposit, insurance, secured and unsecured loans, investment and wealth advisory services.

Business Banking

We develop integrated products and services targeted at helping small and medium-sized enterprises across the region progress through different stages of growth. These include innovative solutions and initiatives in areas of working capital loans, operational efficiency and currency exposure.

Job Responsibilities

• Manage & drive Business Banking (\xe2\x80\x9cBB\xe2\x80\x9d) unsecured loans P&L, including effective formulation & execution of business strategies to meet overall business objectives
• Responsible for the unsecured product life cycle including

• Responsible for monthly financial & Strategy update
• Periodic review / enhance existing unsecured lending program to ensure underwriting framework remain relevant to the market
• On-going changes / enhancement to product features in addressing SMEs\' pain points so as to ensure product relevance
• Owner of E2E product processes from loan origination to loan disbursement and initiate process improvement initiative to ensure speed to market
• Collaborate closely with analytics team to perform segmentation analysis and identify opportunity for new client acquisition or upselling to existing clients
• Collaborate closely with channels, marketing, portfolio management in developing marketing strategies to drive product awareness and leads generation
• Collaborate with Sales & Distribution, Channels to design tactical initiatives / campaigns to drive new loan bookings
• Collaborate closely with Credit & Risk team to ensure asset quality remain intact
• Work with internal stakeholder on new enhancements/projects arising from BNM or business requirement ( including preparing test script and Conduct user testing on current systems, new systems and future enhancement. Verify the testing output to ensure it meets the requirements of the project / enhancement objective.
• Review and ensure all Product and Marketing Materials and processes are accurate and comply with regulatory requirement
• Manage first line response to product and services enquiries from touch-points and support units

Job Requirements

• Good business acumen preferably with more than 5 years of experience in SME banking and with good understanding of lending products and services including relevant rules, regulations and guidelines
• Strong analytical skills. Able to analyze statistical data and extract relevant information to identify trends and correlation.
• Possesses good presentation skills, able to articulate business proposition in a structured manner
• Good interpersonal skills and effective oral and written communication skills, able to deal effectively with people at all levels (internal and external)
• Possesses good computer skills such as Microsoft Excel (Pivot) and Power Point
• Highly motivated and self-starter. Passion to excel.

Be a part of UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate\'s age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

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UOB