Credit Policy

2 weeks ago


Ho Chi Minh City, Vietnam UOB Vietnam Full time

**About UOB**

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, as well as branches and offices.

Our history spans more than 80 years. Over this time, we have been guided by our values — Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

**Responsibilities**:
**_Risk Appetites & Policies_**
- Develop and maintain policies to ensure consistency with the overall risk appetite of retail lending business;
- Support business growth and portfolio optimization through review and effective formulation of portfolio policies;
- Identify key gaps in policies vs. MAS requirement.
- Identify tightening measures to mitigate marginal segments.
- Contribute into the development of Risk Appetite Framework, RDF 2.0, Policies and Governance Framework in accordance with new TOM.
- Work with relevant stakeholders to localise Credit Policies, update Policy Book, and seek deviation approvals (where necessary) post merging with new portfolio.

**_MIS & Reporting_**
- Consolidate the data of existing lending book and purchased lending book to prepare necessary group reports.
- Identify gaps and enhance portfolio review reports.
- Organise monthly portfolio review session.
- Automate new or enhanced reports for merged portfolio.
- Analyse and prepare portfolio reports based on vintage, flowrate, co-incident/lagged, etc.
- Support MIS reporting for Retail Credit on monthly basis and ad-hoc reports when required.

**_Credit & Data Infrastructure_**
- Liaise with Bureau where necessary, assess bureau cost impact and required budget where relevant.
- Provide inputs for data migration issue & retail credit data store infrastructure.
- Understanding of portfolio management strategy in TRIAD and data infrastructure. Provide support to CPM Project and provide inputs for CPM BRD.

**Job Requirements**
- Relevant experience in Credit areas for more than 7 years, especially in Credit Approval/ Policy;
- Good understanding about credit risks and credit system;
- Exposures in MIS reporting is preferred;
- Good interpersonal, written and verbal communication skills.

**Be a part of UOB Family


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