Credit Policy Manager

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. How? By taking the time to truly understand people. From there, we provide support, services, solutions, and career paths that meet their individual needs and desires.

 Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future.

 We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.

Your Opportunity Starts Here.

Key Responsibilities:

Credit Policy Governance & Regulatory Alignment

• Manage timely adoption and localization of the Group’s Credit Risk Management Framework, Policies and Procedures with localization to suit local operations and local regulatory requirements, ensuring policies are aligned with the Bank’s risk appetite, business strategy and data-driven insights for Wholesale Banking

• Manage the periodic update, enhancement and review of Credit  Policies and Procedures arising from regulatory compliance and economic / business strategy changes and market practices, including ensuring update of Credit Policies and Procedures on intranet

• Interpret and embed regulatory requirements from Bank Negara Malaysia into credit policies and processes and ensuring swift responses to regulatory changes

• Undertake the formulation of ad-hoc Credit Policies and Procedures arising from regulatory compliance and economic/business strategy changes and market practices.

Business Advisory, Stakeholder Engagement & Committee Support

• Engage relevant internal stakeholders from Business Units, Risk Management Units, Operations and support functions to ensure policies are effectively communicated and operationalised.

• Provide expert advisory on the interpretation of credit policies and standards in support to Business Units and CRR (include Audit).

• Review and update the annual Risk Management Chapter and Basel II Pillar 3  disclosure (in relation to wholesale credit risk management), including coordinating with other stakeholders for their contributions.

• Support the Credit Risk Management Committee (CRMC), including managing meeting materials, taking minutes and tracking of follow-up actions.

• Represent Group Risk Management in cross-functional, divisional and Bank-wide working groups and initiatives.

• Manage the administration of Lending Authority Limits (LAL) delegation.

Risk Transformation, Strategic Projects & Departmental Oversight

• Support credit transformation initiatives such as digitalisation, automation, data-driven credit decisioning, and customer-journey enhancements.

• Contribute to the departmental oversight, including budgetary process and compliance matters. 

• Strengthen operational discipline by reinforcing internal controls and driving continuous process improvements in line with Group Risk Policy and  Wholesale Credit Risk Management objectives.

• Participate in relevant credit-related Group-wide initiatives and implement them locally.

Portfolio Reviews and Reporting for Wholesale Banking

• Lead the preparation and presentation of periodic portfolio reviews and management reports to the Credit Risk Management Committee and Board Risk Management Committee.

• Provide independent assessments of portfolio quality, risk migration trends, concentration risk, and emerging vulnerabilities, and where relevant recommend risk mitigation strategies and portfolio management actions.

• Oversee and co-ordinate execution of rapid portfolio reviews in relation to stress events, bottoms-up portfolio-wide reviews and stress-testing exercises and assess their potential impact on the Bank’s risk profile.

• Act as the central coordination party for ad hoc portfolio-related requests from internal stakeholders (e.g., parent group, senior management, audit) and external parties (regulators, external auditors).

Requirements:

Experience & Qualifications

• Possess a recognized degree preferably in Economics or Business, coupled with minimum 10 years of relevant working experience in Wholesale Banking credit policy, credit risk management, credit approval or corporate lending.

• Strong regional exposure and experience across corporate, institutional, and commercial lending portfolios.

• Prior experience in a major financial institution is highly valued.

Technical Capabilities

• Proven experience in designing, owning or governing credit policies.

• Strong understanding of BNM regulations and the end-to-end corporate credit risk management cycle and control processes.

• Proficient in Microsoft Excel and PowerPoint; comfortable using technology and analytical tools to support policy and risk analysis. 

Soft Skills

• Excellent communication, stakeholder management, and influencing skills

• Strong analytical mindset with the ability to translate insights into actionable and pragmatic policy recommendations.

• High level of initiative, sound judgement, and ability to manage multiple priorities in a dynamic environment.

• Strong command of English with excellent writing proficiency.

• Self-driven, structured, outcome-oriented, and capable of driving initiatives independently in a fast-paced environment.

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.