Manager – Credit Policy (Group Credit)

Alliance Bank Malaysia Berhad
Full Time

Job Description

Job Responsibilities

  • Ensure timely review of various credit / product programs and monitor underwriting standards
    to establish credit assessment robustness is within the bank’s risk appetite
  • Ensure all credit policy changes are implemented into credit system timely and accurately.
  • Propose alternative when system automation is not possible.
  • Deal with various stakeholders, i.e. Underwriters and Business Users before finalizing and
    implementing any policy changes to ensure clear communication and readiness from all party
    before any changes is implemented.
  • Conduct portfolio analysis and screening exercise to effectively identify opportunities and
    proactive risk management including new through-the-door booking
  • Close monitoring of portfolio caps and triggers of various products to ensure portfolio health is
    maintained and recommend appropriate action plan to enhance risk parameters if required.
  • Respond to all queries from BNM or external audit to ensure pass audit and compliance

Job Requirement

  • Tertiary education qualification in Banking / Finance or related discipline
  • Preferably 5 years of related working experience & exposure in retail / business banking in the
    financial services sector
  • Experience in working across consumer lending product
  • Good credit and analytical skills in Consumer Banking
  • Good interpersonal and communication skills
  • Good policy writing skill
  • Sound knowledge of products, operations, policies and finance practices in Consumer Banking
  • Knowledge of credit life cycle

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