Retail Credit Risk Specialist SG

#LI-DA1

Key Responsibilities 

• Data Integration & Governance: Lead the integration of risk data across credit and operational risk domains for CIMB Singapore’s portfolios. Ensure data quality, consistency, and traceability to meet internal risk governance and regulatory expectations.
• Risk Analytics & Insights: Develop and maintain risk models, dashboards, and analytics to monitor key risk indicators (KRIs), trends, and portfolio performance. Translate complex data into actionable insights to support credit decisions, risk appetite setting, early warning frameworks, and operational controls.
• AI-Driven Automation & Innovation: Identify high-impact opportunities for automation across risk data and reporting processes. Design and implement AI/ML solutions to streamline data aggregation, predictive analytics, and reporting. Partner with technology teams to scale and embed automated risk analytics into core systems and processes.
• Process Improvement & Efficiency: Continuously assess current workflows and risk data processes to identify bottlenecks and inefficiencies. Drive process reengineering initiatives using advanced analytics and digital tools to enhance speed, accuracy, and scalability.
• Stakeholder Engagement & Reporting: Collaborate with Credit Risk, Operational Risk, Finance, Compliance, and Business stakeholders to align on data requirements, risk metrics, and reporting frameworks. Prepare and present analytics insights and recommendations to senior management, committees, and regulatory bodies.
• Portfolio Risk Management Support: Provide analytical support for portfolio segmentation, stress testing, limit setting, and portfolio optimization. Monitor risk-adjusted performance and support strategic decisions across customer segments and asset classes.
• Regulatory & Audit Readiness: Support data readiness and documentation for regulatory reviews, internal audits, and risk assessments. Ensure compliance with data privacy, governance, and industry regulations
• Project Management: Support strategic alignment by actively participating in projects / initiatives with respect of credit portfolio, business strategy, productivity or quality improvement that support business growth and enhance risk management.

People Management – Customer and Employee Engagement & Development

Customer:

1. Foster collaboration with CIMB Singapore Risk and BUs/BEs, and other relevant cross-functional stakeholders within Risk.
2. Build and maintain strong relationships and rapport with various business units, business support function units and other areas of risk management within CIMB Singapore.
3. Promote and foster a collaborative and high-performance risk culture for sustainable growth.

Employee Engagement & Development:

1. Demonstrate strong leadership capabilities in supporting the team’s development to meet evolving risk and business needs.
2. Provide guidance and / or support to team members, ensuring alignment with the Bank’s strategic objectives and Group Risk priorities.
3. Embrace CIMB EPICC culture and values.

Regulatory Compliance

1. Provide support to Singapore Risk in addressing MAS requirements and audit request, ensuring the Branch’s risk framework and practices are in compliance with the applicable banking laws, regulations, internal policies and procedures.
2. Stay abreast of industry trends, regulatory developments and best practices in credit risk management to continuously enhance the bank’s risk management capabilities.

Job Requirements

• Undergraduate degree in Computer Science, Data Science, Mathematics, Statistics or a related field.
• Experience in Banking or Financial Industry with in-depth knowledge of Retail and Non-Retail products and services is an advantage
• Ability to work independently while also being a strong team player.
• Possess critical thinking capabilities including strong problem-solving and judgment skills
• Agile and growth mindset with the ability to embrace change and drive innovation in risk management practices.
• Self-motivated and adaptable with strong initiative and desire to learn and develop.
• Excellent communication and interpersonal skills for effective collaboration across departments.
• Strong analytical skills to review and analyse data. Savvy with usage of MIS / analytics / data visualisation tools e.g. Tableau 
• Proficient in Python, SQL, SAS, R2 will be added advantage.
• Understanding of credit lifecycle and retail/wholesale lending products is an advantage.