Mô tả công việc
Preemptive & Reactive Monitoring
• Develop, design and assess the effectiveness of preemptive triggers embedded in Risk Monitoring framework for early identification of high risk accounts prior to delinquency.
• Identify high risk accounts for early downgrade to SAM (prior to 90DPD) with clear criteria established for triggering early downgrade
• Facilitate monthly Account Strategy Review sessions with Credit Approval, Credit Management & RM teams.
• Centrally manage Exception Reviews for standalone Term Loan facilities and small ticket OD facilities with engagement of RMs & Credit Management (if reviews are not done by credit management currently)
• Monitor Portfolio DPD and NPL trends with identification & implementation of risk mitigation initiatives on customer portfolio
• Develop a BB-focused risk appetite framework with risk return trade-offs clearly identified.
• Engage with Credit Management & GSAM to provide monthly Impairment Loss forecast
• Benchmark credit performance against market / competitors
• Ensure overdue Exception Reviews within threshold of 5%
• Conduct checks to ensure minimum contact requirements are fulfilled for customers triggered on Account Strategy Review.
Yêu cầu công việc
• Bachelor or equivalent degree holder
• GSAM / Collections background, 6-10 years of experience in related field
• Proficient in recovery
• Have a good understanding of collateral risk, ability to assess customers face to face to conduct collections/persuasion for repayment Comply with bank policies, code of conduct regarding documentation, processing and reporting
Quyền lợi được hưởng
- In accordance with company policy
- Social insurance, health insurance, unemployment insurance according to Labor Laws
- Professional and active working environment
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