SME Credit Risk Manager

About GXS Bank:

We are living in dynamic times. Technology is reshaping how we live, and we want to use it to redefine how financial services are offered. GXS Bank is a forward-thinking financial institution that aims to provide innovative solutions to our customers. We believe in the power of technology and data to drive financial inclusion and create a positive impact in our community.

Responsibilities:

• Setting the credit risk policy and procedures for the Bank’s SME products, working with the business functions to devise prudent products and test programs, and managing the portfolio monitoring and reporting. 

• Delivering superior financial performance while minimizing potential losses

  • Develop and maintain the credit risk policies and procedures for the SME portfolio

  • Work with the SME business function to ensure adequate risk assessment of new products and programs (as well as test programs)

  • Monitor new business as well as the existing portfolio, to identify new and emerging risks

  • Work with the SME Credit and Collections teams to gather insights to improve the credit risk policies and underwriting rules / models

  • Work with analytics personnel to help devise underwriting rules / models

  • Help optimise NPL rate / approval rate / cost to acquire / customer experience trade-off

• Development of standard processes, templates and training for credit risk management and governance for the SME  portfolio.

• Conduct any independent or thematic review as required. 

• Partner with product teams and business to coordinate Collection’s activities across the bank.

• Develop and maintain policies related to Collection Management and governance in line with the regulatory requirements.

• Define roles and responsibilities for SME  credit risk management, and maintain inventory of critical roles.

• Define and monitor key activities related to SME credit risk management and monitoring

• Assist in regulatory and business stress tests on an ongoing basis.

• Keep abreast of the regulatory landscape in Singapore particularly on economic outcomes, global economic impacts and regulatory changes related to financial institutions.  

• Participate in Risk Management working group and committee forums as required.

• Develop metrics and reporting dashboards for leadership.

• Work with the Data Engineering team to design and implement appropriate data infrastructure to support the monitoring and analytics for SME  credit portfolio.

• Collaborate with cross functional groups to execute upon the deliverables and serve as a thought leader on critical initiatives related to credit risk management.

• Conduct training activities to promote the understanding of credit risk management requirements, working mechanics and risk/ control awareness.  

• Benchmark against best practices and industry standards

Requirements:

• 12+ years of work experience with a Bachelor’s degree or better (preferably in a quantitative field)
• Good understanding of SME products preferably in the digital banking space.  Familiar with modern and emerging technology techniques and an interest to stay abreast of industry developments (e.g. credit decision engines, analytical tools and techniques, ).
• Experience in implementing the three lines of defense concepts and its application related to Corporate credit policy and portfolio management
• Experience with risk identification, assessment, and mitigation of material risk
• Experience with risk models, Scorecards  and related governance process
• Good understanding of the local economy and global economic trends
• Experience with risk models and ideally ML / Artificial intelligence models
• Possess strong influencing, communication, and presentation skills. 
• Confident, able to work independently and possess the gravitas and relationship skills  to challenge decisions made by senior stakeholders.
• Familiarity with MAS regulations. Experience in working with Regulators in key ASEAN markets with Singapore, Malaysia and Indonesia of specific interest.  
• Able to plan and coordinate effectively and manage expectations to achieve the expected results.
• Able to lead, guide and motivate a team to meet corporate goals and objectives.
• Ability to construct and deliver clear presentations to senior company executives
• Well-developed communication skills to interact with broad ranges of audiences
• Ability to look beyond individual issues to identify broader themes with wider-reaching impact
• Superb presentation and communication skills
• Experience in project managing complex, cross-functional projects