Credit Risk – Secured Lending Credit Strategy and Data Analyst
面議（經常性薪資達4萬元或以上）
台北市內湖區
8~9年工作經驗
Job Purpose：
1. To support the profitable growth of the Secured Lending products (Mortgage Loan & Trust Lending) in the Consumer Banking business.
2. To frame the lending policy, Risk Appetite framework; bureau and score use strategies, portfolio analysis in TW.
3. To ensure controls over implementation of policy. Ensure that the adequate infrastructure (scorecards, systems, validations, MIS etc) is in place to manage portfolio properly.
4. To design and execute tests that will enable future growth, strategy optimization, expense savings, or process enhancements.
5. To ensure compliance with Regional/Group Policy and relevant risk related regulations; ensure compliance with local regulation.
Key Accountabilities:
1. To roll-out/enhance the credit lending framework including policies, processes, MIS, controls, etc for the Secured Lending business in TW.
2. Monitor and validate credit policies, processes, MIS, controls across program and customer lifecycle. Develop tracking standards and review actual results versus benchmark/target with full analyses of any variances.
3. Working with the Group/Regional Risk teams in evaluating policy change requests and further implement and execute policy strategies.
4. Identify opportunities to enable digitalization and innovation in credit cycle management processes in acquisition, data analytics and portfolio management.
5. Support strategic vision for a new operating model in CBG Credit, focusing on innovation, analytics and future-skilling.
Job Duties and Responsibilities:
1. Manage policy / processes for Secured Products (Mortgage Loan & Trusting Lending)
2. Co-work with BU in the preparation & implementation of product programs for Secured Products.
3. Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions
4. Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance
5. Drive portfolio management initiatives through the credit cycle management framework by working in partnership with product managers, credit systems team, credit operations team and collection team
6. Work in partnership with credit systems support team to implement key credit policy criteria in relevant credit acceptance & evaluation systems
7. Escalate on timely basis significant risk issues to business management and manager for taking appropriate remedial actions
8. Ensure timely completion of RCSAs including appropriate action plans to address identified control gaps
9. Ensure issues/action plans arising from Risk & Control Self-Assessments, risk events, KRIs, regulatory inspections or other risk issues are properly followed up.
10. Provide support to ongoing/pipeline digital lending projects including Ecosystem partnership initiatives.
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