Job Description

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 and Thailand, 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.

About the Department

The Retail function provides Personal and Business Banking customers with financial solutions tailored to their needs. We help them manage their money wisely and meet their financial goals through an extensive range of products and services. These include deposit, insurance, secured and unsecured loans, investment and wealth advisory services.

Personal Financial Services

We design and provide products and services that empower our customers to enjoy greater banking convenience while they extract more value from their money. In particular, we are focused on promoting and developing healthy saving and investment practices across generations.

Job Responsibilities

1. Help business in setting appropriate risk appetite and early warning triggers for various PFS lending portfolios

2. Review policy, test proposals and strategy changes to increase/tighten risk to comply with approved risk appetite

3. Review compliance of risk policies/processes to group policies/standards/local regulations

4. Identify, escalate and work with local PFS risk team to mitigate portfolio risk issues

5. Drive best-in-class data analytics leveraging analytics tools deployed in the country.

6. Drive monthly/periodical reviews of various risk metrics to demonstrate adequate oversight over markets

7. Push automation/STP in credit underwriting/monitoring processes to improve efficiency and customer experience

Job Requirements

a) At least 12- 15 Years\' hands-on experience in managing retail credit risk

b) In-depth understanding of retail score models, policies and processes needed to manage portfolio risk

c) Basic understanding of underwriting and collection processes in driving risk performance

d) Ability to influence a large group of people to drive desired corporate outcomes

e) Excellent communication and presentation skills

f) Good stakeholder management skills

g) Hands-on data analytical skills using SAS/Python/SQL/ Decision trees will be an added advantage

Be a part of UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate\'s age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

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UOB