Job Purpose:
- Support the management of the credit risk cycle, including acquisition, portfolio management, collection strategies, credit systems and MIS, for all unsecured and secured products offered by the Retail Banking Division.

Main Responsibilities:
- Formulate, review and on-going fine-tune credit policies and ensure that all policies comply with regulatory guidelines.
- Partner with Business & Operations to develop new products and programs by preparing credit analysis for the formulation of credit criteria, participating in the user requirement development & the production check and monitoring the performance of these products & programs to ascertain risk-reward balance.
- Provide support to Credit Risk Manager to keep track of portfolio quality and performance.
- Participate in credit initiation and credit management system projects.
- Prepare and analyze credit MIS timely and accurately for internal and external parties.

Requirement:
- University education, preferably with major in Statistics, Risk Management, Quantitative Analysis, Finance, Economics, Business Administration or related disciplines.
- 5 years of working experience in credit risk management of retail banking or related areas. 
- Proficiency in SAS programming skills is a prerequisite.
- Knowledge of credit cycle management and regulatory requirements is preferred.
- Candidate with less experience may be offered with Credit Risk Officer.
- Candidates with less experience will be considered as Senior Officer/ Officer.