Head, Consumer Unsecured Risk Management

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.

Key Responsibilities

Credit Risk Oversight
•    Provide strategic leadership over unsecured lending risk (Credit Cards & Personal Loans or other unsecured products in due time), with clear accountability for portfolio quality and performance.
•    Set and continuously refine underwriting standards, credit policies, and risk frameworks aligned to risk appetite and market conditions.
•    Approve high-risk policies, key portfolio strategies, and material exceptions.
•    Drive proactive risk management through forward-looking monitoring of portfolio trends, including early delinquency indicators and emerging risks.

Governance & Compliance
•    Ensure strong alignment with regulatory expectations (e.g., BNM) and Group risk standards.
•    Lead the regular enhancement of credit policies, scorecards, and decision frameworks to remain competitive and prudent.
•    Act as senior interface for audit and regulatory engagements relating to unsecured lending.
•    Uphold robust governance, control environment, and risk discipline across all credit processes.

Portfolio Management
•    Own and steer portfolio performance across credit cards and personal loans; or other unsecured products in due time, balancing growth, profitability, and asset quality.
•    Drive segmentation strategies backed by data across acquisition, line management, and collections to optimise portfolio outcomes.
•    Leverage analytics, stress testing, and scenario analysis to ensure resilience across economic cycles.
•    Partner closely with Analytics teams to pre-empt and mitigate portfolio deterioration.

Business Partnership & Strategy
•    Act as a strategic partner to Business, Product, and Marketing teams in driving cards and personal loans; or other unsecured products in due time, to support business growth.
•    Provide independent and constructive challenge to commercial strategies while enabling innovation.
•    Support expansion initiatives (new products, digital channels, partnerships) with robust risk frameworks.
•    Translate market trends and internal data insights into actionable credit strategies.

People & Operational Management
•    Lead and inspire a high-performing unsecured risk management team, building strong bench strength and succession pipeline.
•    Set clear performance expectations aligned to portfolio and business outcomes.
•    Drive digitalisation and automation of credit decisioning to enhance efficiency and customer experience.
•    Strengthen risk culture, ensuring disciplined and consistent decision-making across the team.

Job Requirements
•    Degree in Accounting, Finance, Economics, Business, or related discipline.
•    Minimum 12–15 years of experience in unsecured consumer credit risk, with deep exposure to Credit Cards and/or Personal Loans.
•    Proven track record in managing large-scale portfolios and delivering risk-adjusted growth.
•    Strong expertise in portfolio analytics, scorecards, and credit strategy development.
•    Solid understanding of regulatory environment (e.g., BNM) and market practices.
•    Demonstrated ability to influence senior stakeholders and challenge business constructively.
•    Strategic mindset with strong commercial acumen.
•    High integrity, sound judgement, and ability to make balanced decisions under pressure.
 

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.