AVP, System Management - Consumer Credit Risk

Purpose of the role:
This position is responsible for the design, development, testing, and maintenance of systems, with a primary focus on migrating the loan origination system and credit decision engine.

What You Will Be Doing:

• Design, develop, and automate credit decisioning rules, scorecards, and limit assignment frameworks within the Consumer Credit Decision System to enable straight-through process of credit approval through programmed scripting.

• Manage and maintain credit policy rules and parameters in front-end application systems, providing scenario planning and support for new system implementations and deployments.

• Collaborate closely with the regional portfolio analytics team and in-country stakeholders such as Credit Risk and Business department to enhance credit process, support risk and business initiatives/projects, and identify opportunities to strengthen risk controls.

• Participate in Credit Risk management system enhancements and IT projects across the region, ensuring timely and effective delivery.

• Support the Team Head in conducting portfolio analytics and reviews for consumer secured and unsecured lending products, managing credit risk through rule design and monitoring of key portfolio risk indicators.

• Analyze large datasets to identify trends and patterns that inform risk management decisions

• Stay up-to-date with industry trends, regulatory requirements, and best practices, applying this knowledge to continuously improve risk management frameworks and processes.

What We Are Looking For:

• A degree in Information Technology, Computer Science, Risk Management, Mathematics or Statistics.

• 5 to 10 years of experience in the financial industry, with a strong background in consumer lending and proven project management experience in credit risk management and IT systems.

• Preferably with experience in supporting deployment of application models and systems in collaboration with IT teams.

• Familiarity with credit decisioning applications and microservices is highly preferred.

• Strong technical skills, including programming skills in SQL and Python. Knowledge of Power BI is an advantage.

• Excellent analytical and problem-solving abilities, with the capability to translate complex technical concepts into clear, actionable insights for non-technical stakeholders.

• A collaborative mindset, working effectively with diverse stakeholders across the organization.

• A solid understanding of risk management principles and practices within consumer lending.

• Proficiency in both written and spoken English and Chinese.

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.