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.
Excellent opportunity for an experienced credit risk professional to join a high-performing and evolving Risk Portfolio Management (“RPM”) function. RPM comprises of a broad range of functions primarily focused on credit portfolio management across banking subsidiaries within OCBC Group. This position is under the Portfolio Insights & Validation (“PIV”) team within RPM.
PIV is a multidisciplinary team that supports Group Risk Management and senior management/Board by delivering comprehensive, analytically driven insights on the Group’s credit portfolio. The team integrates forward‑looking operating environment assessments and digital capabilities to enable proactive risk management. The team also performs independent validation of credit risk models, including Credit Risk Scorecards, Internal Rating models, IFRS 9 based Expected Credit Loss models, Credit Stress Testing models, Economic Capital models and Machine Learning models to ensure their fit-for-purpose. These models are embedded in the credit underwriting, customer selection, limit setting, early warning and problem recognition, as well as assessment of capital and provision adequacy.
Assess risk & opportunities in the operating environment to enable more effective risk-taking aligned to our risk appetite
Analyse portfolio performance. Identify trends & drivers, draw insights and develop recommendations
Design and produce reports that provide insights & identify opportunities on business developments, and track vulnerabilities to risk developments
Conduct analysis and translate data into in-depth portfolio insights for credit risk management across various industry sectors
Group Risk Management works independently to protect, build, and drive our businesses. The team support good decision-making. With strong risk analysis. And a crucial, comprehensive role in sharpening our competitive edge. Optimising risk-adjusted returns. It’s about seeking and adopting best-in-class practices. Protecting the group from unforeseen losses. Keeping risk within appetite. Embracing change and managing growth in one of the world’s strongest banks.
You would have at least 3-5 years of relevant experience.
Strong understanding of credit risk covering both Wholesale and Retail portfolios.
Fresh graduates in mathematics, quantitative finance related disciplines are welcome to apply.
Experience in understanding how changes in operating environment and event risk affect the credit portfolio and identify vulnerable segments for management attention.
Experience in credit portfolio management is an added advantage.
Strong analytics & quantitative background, coupled with communication & stakeholder management skill.
Proven background in data management, management report design, and process automation.
Strong in programming languages (e.g. Python, SQL) and business intelligence tools (e.g. Power BI).
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.
