Job Purpose

• Review & validate of new credit policy for new Consumer product to ensure compliance to BNM guideline and internal bank’s risk appetite.
• Implement and make changes to credit systems accordingly to ensure all credit policy rules are automated and deployed timely and accurately.
• Oversee and monitor portfolio performance by conducting review and continuously improving credit analytics structure to ensure healthy portfolio is maintained within the bank’s risk appetite by proposing and implementing relevant credit strategy.
• Perform in-depth portfolio study and analysis to evaluate portfolio health and identify potential portfolio risks and opportunities.
• Ensure credit decisions are consistent, data-driven, and compliant, while supporting sustainable portfolio quality and profitability.
• Collaborate closely with risk, business, operations, and compliance teams to optimize credit policy or strategies, monitor e...