MGR/AVP, Portfolio Insight Analyst, Portfolio Insights & Validation

WHO WE ARE: 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. Why join Excellent opportunity for an experienced credit risk professional to join a high-performing and evolving Risk Portfolio Management ("RPM") function. RPM comprises of a broad range of functions primarily focused on credit portfolio management across banking subsidiaries within OCBC Group. This position is under the Portfolio Insights & Validation ("PIV") team within RPM. PIV is a multidisciplinary team that supports Group Risk Management and senior management/Board by delivering comprehensive, analytically driven insights on the Group's credit portfolio. The team integrates forward‑looking operating environment assessments and digital capabilities to enable proactive risk management. The team also performs independent validation of credit risk models, including Credit Risk Scorecards, Internal Rating models, IFRS 9 based Expected Credit Loss models, Credit Stress Testing models, Economic Capital models and Machine Learning models to ensure their fit-for-purpose. These models are embedded in the credit underwriting, customer selection, limit setting, early warning and problem recognition, as well as assessment of capital and provision adequacy. What you do Assess risk & opportunities in the operating environment to enable more effective risk-taking aligned to our risk appetite Analyse portfolio performance. Identify trends & drivers, draw insights and develop recommendations Design and produce reports that provide insights & identify opportunities on business developments, and track vulnerabilities to risk developments Conduct analysis and translate data into in-depth portfolio insights for credit risk management across various industry sectors Who you work with Group Risk Management works independently to protect, build, and drive our businesses. The team support good decision-making. With strong risk analysis. And a crucial, comprehensive role in sharpening our competitive edge. Optimising risk-adjusted returns. It's about seeking and adopting best-in-class practices. Protecting the group from unforeseen losses. Keeping risk within appetite. Embracing change and managing growth in one of the world's strongest banks. Who you are You would have at least 3-5 years of relevant experience in credit risk and portfolio analysis . Strong understanding of credit risk covering both Wholesale and Retail portfolios. Degree in quantitative/financial discipline, such as Mathematics, Statistics, Computer Science, Accounting, Finance, Economics or equivalent professional certifications. Experience in understanding how changes in operating environment and event risk affect the credit portfolio and identify vulnerable segments for management attention. Experience in credit portfolio management is an added advantage. Strong analytics & quantitative background, coupled with communication & stakeholder management skill. Proven background in data management, management report design, and process automation. Strong in programming languages (e.g. Python, SQL) and business intelligence tools (e.g. Power BI). What we offer: 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.