Job Description

Key Responsibilities:

• Responsible for the roadmap and management of a portfolio of commercial and industrial property loans, including revolving credit facilities secured by commercial properties for SMEs.
• Develop and enhance product value proposition and processes to drive sales revenue with robust risk management.
• Responsible for all aspects of the product, including portfolio quality, customer application & loan maintenance process, and sales channel support.

Job Scope:

• Stay abreast of the competitive landscape and of macro market outlook and trends, especially around Singapore interest rate environment and property market situation.
• Ensure product viability and full adherence to regulatory requirements.
• Use data analytics and knowledge of market trends to continuously improvise and enhance customers\' experience.
• Engage key stakeholders, including Sales, Credit Risk, Operations, IT, Legal and Compliance to enhance product competitiveness and improve processes.
• Work closely with Credit Risk to monitor portfolio quality, review credit policy and develop proactive actions to mitigate any risk.
• Initiate marketing campaigns and product bundling to drive sales and increase product profitability.
• Contribute towards digital strategy and implementation for secured loan products.
• Lead and manage system enhancements when required.

Reporting to :

• Group Team Leader, Lending Programme, PMM

Qualifications
The ideal Candidate would meet the following requirements:

• Tertiary education with minimum 5 years of working experience
• Prior experience in product management, credit risk &/or data analytics of commercial or residential mortgage is preferred
• Able to multi-task under tight timeline and to work independently
• Result-oriented and self-driven individual
• Possess strong communication and stakeholder management skills
• A structured thinker with sound analytical skills

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