Credit Risk Specialist

Trust is the first of a new breed of banks in Singapore – digitally native and focused on delivering a delightful customer experience.  You will work in a fast-paced and collaborative environment to solve new and interesting challenges each day. Together with our Trust team, you will help shape the future of our bank. As a  Credit Risk  Specialist   you'd  be able to work on and solve many interesting challenges which we are facing, learn new ways of working, and help build delightful  high-quality  products for our customers.     
 
Job Description    
To design and build Credit risk management solutions and strategies for entire customer lifecycle, i.e., Originations, Portfolio Management and Collections, for Retail Assets,  leveraging  data and analytics outcomes.  
   
The Role Responsibility:    


• Analyse diverse data  required  to develop risk strategies for the  Bank  



• Undertake credit and fraud risk strategy design and development on lending propositions, with focus on high quality, delivery within agreed timelines and alignment with approved credit policy  



• Design, develop and implement data-driven risk strategies (cut-off setting, indebtedness checks, loan amount assignment, risk-based-pricing) for lending products using traditional, and non-traditional data   



• Decipher and incorporate local regulatory requirement related to unsecured lending in the credit risk strategy  



• Ensure new origination, portfolio and collections performance meets defined key performance indicators and within the defined risk appetite and ensure consistent application and enforcement of risk policies  



• Ensure that risk strategies are accurately tested and continually benchmarked with the help of advanced data analytics  



• Work independently with various stakeholders such as Product, Technology, Data Engineering, Analytics, etc. to align with business goals  



• Lead the effort on documentation and adhering to risk approval process related to risk strategy design and development  

 
Role Specific Technical Competencies:  
 




Skill  


Target  proficiency  level  




Retail Lending Product/Business Knowledge   


Core  




Full-cycle Credit Risk Management Principles  


Core  




Data Manipulation and Credit Risk Metrics  


Advanced  




Data-driven Strategy Formulation and Analytics  


Advanced  




Local Regulations governing Retail Lending and Credit Risk  


Core  




       
 
Our Ideal Candidate:    


• At least  7   years of relevant experience   



• Good judgement and clear thinking in solving business problems  



• In depth  understanding of local regulation related to unsecured lending.  



• Strong analytical ability, with technical competency to deliver industry standard outputs  



• Sound knowledge of Credit Risk ,  with ability to perform related data analysis   for  strategy development, customer segmentation, and/or credit policy formulation  



• Solid  e xp erience  in  credit risk  modelling , including PD, LGD, and EAD frameworks .   Proven  track record  in  applying  credit risk model , and/or model  implementation and validation  



• Good understanding  in  latest developments in Artificial Intelligence and Machine Learning models preferably in the context of retail credit risk  



• Strong interpersonal skills with the ability to engage and influence multiple stakeholder and drive decisions  



• Strong Communication (written and oral) and presentation skills.  



• Self-starter, motivated , curious, and energetic to g row with the Bank .    
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Come as you are! Trust is an inclusive and open-minded workplace. If you are good at what you do and care about doing a good job, that’s what we focus and want from you.  So come as you are. 😊
Trust is an equal opportunity employer. We prohibit discrimination and harassment of any kind. We are committed to the principle of equal employment opportunity for all employees and to providing employees with a work environment free of discrimination and harassment. All employment decisions at Trust are based on business needs, job requirements and individual qualifications, without regard to age, gender, physical ability, race, religion or belief, family or parental status, sexuality, or any other status protected by laws or regulations. We will not tolerate discrimination or harassment based on any of these characteristics. We encourage applicants of all ages.