Job Purpose
Retail banking & Small business banking credit risk management follows the bank&039;s strategy, balances risks andrewards, and keeps pace with global transformation trends.
Key Accountabilities
Research and development:
- Research and update advanced risk management standards, techniques, models and practices;
- Research and select outsourcing partners to provide professional advice on risk management standards for TCB.
- Research, analyze, measure and quanify risks occuring from changes in legal policies, economics (macroeconomics, microeconomics, economic cycles,...), financial markert to evaluate the effects/impacts on retailcredit activities;
Professional tasks:
- Acquire credit risk data
- Develop credit policies & appetite for each segment
+ Exception Policy and Underwriting
+ Define Target Market determination, Risk Segmentation strategy and building unsecured lending product programs based on agreed Risk Appetite
+ New Business campaign policy, Cross sell / Upsell and down sell campaign policy
+ Down turn strategy and Management
+ Policy Conformance review
+ Test cells and Champion Challenger strategies
+ Develop and manage Underwriting standards
+ Risk Appetite Strategy and monitoring
- Manage credit limits
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
+ Risk based limits and Risk Based Pricing
- Managing approval activities
- Conduct credit risk appraisal: Underwriter quality monitoring
- Develop an early- warning system: Early Loss mitigation opportunities
- Manage credit portfolio
+ Identification of quality growth opportunities and ensure sustained growth in Assets and topline
+ Bureau reporting and Bureau Services
+ Portfolio mix and shaping
+ Tail Risk Management
+ Own the process of defining, testing and production release, of Champion challenger, test cell, and Modelstrategies within the respective decision support systems
+ Provide Strategy performance reports to determine efficacy of strategies defined within decision support systems.
+ Portfolio monitoring , loss forecasting and early warning and early loss mitigation models
- Calculate regulatory capital requirements for credit risks
+ Loss forecasting
+ Credit Bureau Analytics
+ Risk Reward measurement
+ Portfolio Sale / Risk Insurance / Portfolio securitization
- Partnership / Eco system lending management: Build CAAS ( Credit as a Service ) eco system for all lendingpartnership
- Participate Risk transfer strategy (ABS, MBS & Insurance)
- RB Risk transformation :
+ Build and Manage Decision support systems for Account management and collections
+ Owner of all Retail and Small BB Risk Decision support systems- Decision Engine
+ Support Strategic and BAU initiatives with respect to Risk Decision support Systems
