Consumer Portfolio Analyst, Retail Policy & Portfolio Analytics (RCRA)

About the role

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. Prepare and deliver portfolio risk reports in a timely and accurate manner for Senior Management, including Board Risk Committees, Credit Committees, Regulators, and Group Office. Escalate promptly to Senior Management on any emerging asset quality issues or deviations from predefined risk thresholds, triggers, and budgets. Collaborate closely with key stakeholders such as Risk, Collections, and Business teams to identify stress segments as well as potential opportunities to support optimal risk-return strategies. Monitor and track the performance of new product rollouts, evaluating their effectiveness and success against business objectives. Support data infrastructure initiatives within the department, including data migration, validation, and development of data marts. Contribute to the development, monitoring, and periodic review of Risk Scorecards to ensure their continued effectiveness and predictive accuracy. Participate in process improvements, system enhancements, and digitalization initiatives to strengthen operational efficiency. Explore and assess alternative data sources to enhance credit decision-making processes. Proactively recommend data analytics tools and infrastructure improvements in line with the Bank's digital transformation goals. Qualifications & Requirements : Minimum 2-5 years of relevant experience in the banking industry. Bachelor's degree in business studies, Statistics, or a related discipline. Proficient in SAS, Python, and Hadoop. Strong data extraction, mining, and analytical capabilities. Excellent communication and interpersonal skills. Prior experience in consumer banking products, Credit Risk MIS, or business analytics is an added advantage. Self-motivated with a willingness to take on new challenges in a fast-paced environment

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