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 Policy Governance & Regulatory Alignment
Manage timely adoption and localisation of Enterprise, Credit & ESG Policies and Procedures with customisation to suit local operations and local regulatory requirements, ensuring policies are aligned with the Bank’s risk appetite, business strategy and data-driven insights for Wholesale Banking
Manage the periodic update, enhancement and review of Enterprise, Credit & ESG Policies and Procedures arising from regulatory compliance and economic / business strategy changes and market practices, including ensuring update of Enterprise, Credit & ESG Policies and Procedures on intranet
Interpret and embed regulatory requirements from Bank Negara Malaysia into credit policies and processes and ensuring swift responses to regulatory changes
To undertake the formulation of ad-hoc Enterprise, Credit & ESG Policies and Procedures arising from regulatory compliance and economic/business strategy changes and market practices.
Business Advisory, Stakeholder Engagement & Committee Support
Engage relevant internal stakeholders from Business Units, Risk Management Units, Operations and support functions to ensure policies are effectively communicated and operationalised.
Provide expert advisory on the interpretation of credit policies and standards in support to Business Units and CRR (include Audit).
Review and update the annual Risk Management Chapter, including coordinating with other stakeholders for their contributions
Support the Credit Risk Management Committee (CRMC), including managing meeting materials, taking minutes and tracking of follow-up actions.
Represent Group Risk Management in cross-functional, divisional and Bank-wide working groups and initiatives.
Manage the administration of Lending Authority Limits (LAL) delegation.
Risk Transformation, Strategic Projects & Departmental Oversight
Support credit transformation initiatives such as digitalisation, automation, data-driven credit decisioning, and customer-journey enhancements.
Contribute to departmental oversight, including business continuity planning and compliance matters.
Strengthen operational discipline by reinforcing internal controls and driving continuous process improvements in line with Group Risk Policy objectives.
Requirements:
Experience & Qualifications
Possess a recognized degree preferably in Economics or Business, coupled with minimum 10 years of relevant working experience in Wholesale Banking credit policy, credit risk management, credit approval or corporate lending.
Strong regional exposure and experience across corporate, institutional, and commercial lending portfolios.
Prior experience in a major financial institution is highly valued.
Technical Capabilities
Proven experience in designing, owning or governing credit policies.
Strong understanding of BNM regulations and the end-to-end corporate credit risk management cycle and control processes.
Proficient in Microsoft Excel and PowerPoint; comfortable using technology and analytical tools to support policy and risk analysis.
Soft Skills
Excellent communication, stakeholder management, and influencing skills
Strong analytical mindset with the ability to translate insights into actionable and pragmatic policy recommendations.
High level of initiative, sound judgement, and ability to manage multiple priorities in a dynamic environment.
Strong command of English with excellent writing proficiency.
Self-driven, structured, outcome-oriented, and capable of driving initiatives independently in a fast-paced environment.
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.
OCBC is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was founded in 1912. It is now the second largest financial services group in Southeast Asia by assets and one of the world’s most highly-rated banks, with an Aa1 rating from Moody’s. Recognised for its financial strength and stability, OCBC is consistently ranked among the World’s Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker.
OCBC and its subsidiaries offer a broad array of commercial banking, specialist financial and wealth management services, ranging from consumer, corporate, investment, private and transaction banking to treasury, insurance, asset management and stockbroking services.
OCBC’s key markets are Singapore, Malaysia, Indonesia and Greater China. It has more than 570 branches and representative offices in 19 countries and regions. These include about 300 branches and offices in Indonesia under subsidiary Bank OCBC NISP, and over 90 branches and offices in Mainland China, Hong Kong SAR and Macau SAR under OCBC Wing Hang.
OCBC’s private banking services are provided by its wholly-owned subsidiary Bank of Singapore, which operates on a unique open-architecture product platform to source for the best-in-class products to meet its clients’ goals.
OCBC's insurance subsidiary, Great Eastern Holdings, is the oldest and most established life insurance group in Singapore and Malaysia. Its asset management subsidiary, Lion Global Investors, is one of the largest private sector asset management companies in Southeast Asia.
