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Sovereign’s Capital
Sovereign’s Capital

Digibank Malaysia Project - Credit & Fraud Risk LeadMalaysia



Accounting & Finance
Posted on Friday, May 26, 2023

Get to know the Team:

Grab is leading a consortium for Digital Bank license and to build a bank with the right foundation - using data, technology and trust to solve problems and serve customers. We have big dreams to unlock and financial inclusion for people in our region is just one. If you have what it takes, help build our new Digibank with us.

Get to know the role:

  • Work together with business stakeholders to design and implement new strategies for unsecured lending products. Partner with business stakeholders to roll out initiatives related to digital banking response.

  • Perform necessary portfolio analyses and credit performance forecasts and review financial propositions with business counterparts to ensure sustainable good growth. Support new business growth and product launches.

  • Liaise with various stakeholders including technology support units, credit operations and other parties to roll out credit initiatives as approved by top management and evaluate their effectiveness over time.

  • Responsible for ad hoc analysis/MIS to support policy updates and refinement.

  • Responsible for monitoring of the economic environment and working with the policy counterparts to propose appropriate containment actions to maintain portfolio quality during economic crisis periods. Fine tune policies as appropriate.

  • Perform periodic monitoring and analyses of portfolio performance to ensure that sound portfolio quality is maintained.

  • Responsible for application of policy and underwriting principles

  • Ensure that regulatory and credit risk policy requirements are being embedded in the design and continuous monitoring to ensure adherence

  • Working with stakeholders to develop monitoring tools such as reports, real-time alerts, etc and implement processes for monitoring, escalation and governance.

  • Propose appropriate Risk Appetite measurement (metrics) to the Management Risk Committee for endorsement

  • Anticipate forward looking risks, proactive engagement with management and develop mitigation actions to reduce the risks,

  • Support the portfolio management activities such as tracking, monitoring, and analysing the full credit cycle performance and risk appetite metrics of the lending portfolios.

  • Support the bank’s credit testing program launches, that balance risk and return within the parameters stipulated in the approved program.

  • Participate in credit decision engine testing and implementations as part of bank initiatives or system enhancements.

  • Support credit bureau data management activities related to timely submission to Credit Bureau Singapore (CBS), data quality standards and process controls.

  • With the use of credit bureau data, support the establishment of a robust credit analytic framework to identify early warning signals, credit risk process inputs and customer segment risk factor(s).

The must haves:

  • At least 6 to 10 years of working experience in a retail banking role preferably in a credit risk policy, MIS and portfolio management capacity.

  • Good understanding of the regulatory landscape related to financial loan products.

  • Analytical mind, good communication and presentation skill is required as the candidate will need to communicate with seniors for policy changes etc.

  • Meticulous and self-motivated and able to produce end results.

  • Familiar with portfolio monitoring techniques and tools, Basel capital rules.

  • Knowledge of scorecards and Basel II model is preferred.

  • Knowledge of FICO Blaze Advisor or Decision Manager is preferred.

  • Degree holder with background in Business and Finance or Statistics.

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Equal opportunity

Grab is an equal opportunity employer. We owe our success to the talents of our globally-diverse team and the varying perspectives they add to our thriving community.

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