Job Purpose
As second line of defense, your job purpuse is to ensure all internal/ regulatory are in good monitor and timely escalate to higher management and related parties as procedure set.
- To drive in depth analysis on credit risk as regulatory body requirements
- To ensure that the company comply with regulatory requirements in credit risk management
- Participate in the automation and standardization initiatives assigned.
- Ensure compliance with regulatory guidelines and assist in regulatory and financial inspections.
- Assist in regulatory inspections and internal audit
- Understanding rules, regulations and policies across CIMB and how these are interconnected and aggregated
Key Responsibilities
Risk Analysis
- Monitor & Analyze: Dive into the data to track Consumer Banking business and product performance. Identify emerging credit trends and risks, supporting in fine-tuning strategies to optimizing the credit quality and profitability of our Retail Credit suite.
- Test & Validate: Assist in designing and running monitoring programs that stress-test credit strategies.
- Balance the Scales: Act as an advisor by conducting deep-dive reviews and recommending data-driven actions to perfect the risk-reward ratio.
- Automation: Play a key role in building automated dashboards and reporting tools that turn raw data into clear and actionable business insights.
- Regulatory reporting: Support the delivery of critical reporting for internal leadership, SBV, CIC, ensuring data is accurate and submitted on time.
- Build the Tools: Work with cross-functional teams on system upgrades. Participate in User Acceptance Testing (UAT) to ensure risk systems are updated.
Regulatory Compliance
- Ensures compliance to regulatory requirements, Bank and Group policies and procedures.
- Assist in regulatory inspections and internal audit
Job Specification
- Degree in Accounting and Finance/ Data Science/ Statistics
- Experience in banking & finance with credit risk, reporting is a preference
1-3 year(s) experience in Accounting and Finance
1-3 year(s) experience in reporting/ data science
Technical/Functional skills
- Analytical skill
- Proficient in Microsoft Office/ SQL/ Python/ R
- Analytical skills and an eye for detail
- Numerical skills
- Time manangement and organisational skills
- Ability to understand broader business issues
- Communication and presentation skills
Personal skills
- Strong logical thinking capability.
- Self-disciplined; highly energetic and motivated.
- Highly self-motivated.
- Responsible and takes initiative.
