Basic Info

Job Description

• Assess the creditworthiness of SME working capital and personal loan applicants through in-depth financial analysis.
• Evaluate repayment capacity to ensure loan approvals align with the company’s risk appetite.
• Develop, implement, and maintain credit policies and procedures in compliance with regulatory standards.
• Continuously review and refine credit risk frameworks to adapt to market conditions.
• Monitor loan portfolios to identify risk concentrations and ensure proper risk diversification.
• Ensure adherence to Monetary Authority of Singapore (MAS) guidelines and other regulatory requirements.
• Implement robust fraud detection mechanisms for SME and personal loan applications.
• Collaborate with sales, operations, and legal teams to align credit risk strategies with business objectives.
• Provide training and mentorship to relationship managers and credit analysts on credit risk best practices.
• Prepare regular credit risk reports for senior management, highlighting key trends, risks, and recommendations.
• Utilize data analytics tools to enhance credit decision-making and improve credit scoring models.

Job Requirements

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• Professional certifications (e.g., CFA, FRM) are an advantage.
• 7–10 years of experience in credit risk management, preferably in SME lending or personal loans.
• Proven expertise in developing and implementing credit risk strategies.
• Strong analytical skills with the ability to interpret financial statements and assess creditworthiness.
• Deep understanding of MAS regulations and credit risk frameworks in Singapore.
• Strong leadership, decision-making, and team management capabilities.
• Excellent communication and stakeholder management skills.
• Detail-oriented, proactive, and capable of handling high-pressure situations.
• Adaptability to evolving market and regulatory landscapes.
• Proficiency in Microsoft Office Suite, especially Excel for data analysis.
• Fluent in written and spoken English and Mandarin.