Credit Program Management Analyst

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, Thailand and Vietnam, 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
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.
The Credit Program Management Analyst is an intermediate-level position responsible for conducting credit reviews & analysis, monitoring the retail lending portfolio, providing oversight to credit operations, and developing & maintaining the credit risk systems for operations optimalizations.
Responsibilities:
• Manage the overall retail credit portfolio within the desired risk appetite framework.
• Maintain compliance with UOB credit policies/practices, regulatory policies and prepare, update, and ensure approval of all internal policy and procedure changes, keeping proper change and approval logs.
• Continuously identify process improvements and efficiencies to support business unit goals through dissecting issues and making recommendations.
• Appropriately assess risk when business decisions are made, identify business opportunities, develop credit tests and risk strategies, balancing risk and return, and work with cross-functional teams to ensure flawless execution of policy tests and strategies.
• Develop and maintain the credit risk systems for optimization solutions.