Head, Sme Lending Risk, Singapore & Asean

Job Summary The Role is responsible for the credit risk management of the credit exposure in respect of SME Banking. Specifically, he/ she will be managing both programme lending and discretionary lending (i.e. double hat as Senior Credit Officer (“SCO”), Medium Enterprises (“ME”) for the respective cluster. This role also will have responsibility for SME portfolio for ASEAN. Key Responsibilities Strategy • Awareness and understanding of the Group’s business strategy and model appropriate to the role. • Inform the development of business plans with the provision of cost and impairment forecasts and a balanced judgment on the external environment. Business • Awareness and understanding of the wider business, economic and market environment in which the Group operates • Communicate the strategic intent and collective agenda for the Function. • Maintain and develop the Function's risk capabilities, and skills to meet ongoing needs and plans Processes • Supervise all processes where a member of the Function is the identified first line process owner. • Ensure effective management of the operational risks within the Function and compliance with applicable internal policies, and external laws and regulations. • Continuously improve the operational efficiency and effectiveness of the Function’s risk management processes. People & Talent • Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from their team and work in collaboration with risk and control partners. • Ensure the provision of ongoing training and development of people, and ensure that holders of all critical functions are suitably skilled and qualified for their roles ensuring that they have effective supervision in place to mitigate any risks. • Employ, engage and retain high quality people, with succession planning for critical roles • Responsibility to review team structure / capacity plans Risk Management • Act as the Credit Risk Type owner under the Group’s Risk Management Framework (including relevant Operational Risk Framework ownership for credit risk). Ensure a full understanding of the risk and control environment in area of responsibility. Leadership on Discretionary Lending • Ensuring that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis. • Approving breaches of Local Portfolio Standards, to the extent permitted by Credit Policy. • Formulating and obtaining approval of Portfolio Standards which is supportive (from credit risk perspective) of the business strategy of various segments. • Ensuring Risk Committee meets on a regular basis to review credit related issues in compliance with Group Policy governing such matters and actively participating on that Committee. • Ensuring timely submission and accuracy of Medium Enterprises credit portfolio data to the Portfolio Quality Review Forum/ Credit Issues Committee/ relevant Risk Committee. These include, but may not be limited to, the following: o Risk MI reports o All approved exposures in Medium Enterprises (as required by local regulator Reporting) o Details of approved portfolio breaches of Group and Local Credit Policy (including details of mitigating circumstances) o Country Risk exposure • Monitoring compliance with credit policy and Portfolio Standards on a monthly basis at least and reviewing any divergence thereof with the Risk Head/Segment Heads to ensure credit quality targets are achieved. • Ensure EAR process is adhered to and lead monthly EAR discussions. Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assist TWC Stressed Asset Management, where appropriate, in managing accounts to maximise recoveries and minimise losses. • Ensure compliance to the Operational Risk framework including the effective application of risk toolkit (self-assessments, KRIs, KCSs, etc) and reporting. • Initiate portfolio review (with stress test) / portfolio scans, stress tests as required by internal and external factors and review results and assess their implications • Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy • Direct appropriate response to material events or other risk issues that come to the SCO's attention • Exercise risk control responsibility …