Credit Risk Head (SME & Retail) - Digital Bank
Grab
Singapore
1d ago

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Get to know the Role :

Responsible for the overall credit risk environment of the digital bank, and integration of credit risk management considerations in key decision-points to achieve the digital bank’s growth and profitability objectives

Lead and implement the credit risk management framework across the digital bank, which includes ongoing identification, assessment, monitoring and reporting of key exposures and risks, and the management of these key risks.

Responsible in the setting of risk appetite, risk tolerance and mitigation strategies

Foster a culture of customer centricity and openness in communication and collaboration, balanced with strong risk compliance and ownership of risks across the digital bank

Ensure an understanding of key credit risks and exposures among management, and facilitate responsible and effective risk-taking in line with risk appetite and tolerance

Provide risk-focused inputs on key decisions taken by the digital bank including, but not limited to, strategic planning, capital and liquidity planning, new products & services, compensation structure

Keeping updated on latest technology changes such as data analytics and artificial intelligence that can be applied to risk management.

The day-to-day activities :

Develop / Manage the overall strategic direction of Credit Risk management and ensure safety and soundness of the portfolio and risk taking activities

Provide Credit Risk direction and expertise to senior management team

Establish overall credit risk appetite and limits for the portfolio in partnership with the management and group risk management leaders

Build strong cadre of risk subject matters experts (SMEs) and risk management organizational capabilities that commensurate with the size, scope and risk challenges of the business

Manage the development and implementation of overall Credit Risk Management credit and collection policies

Manage the development and execution of all Loss Forecasting and Loss Provisioning activities

Monitor emerging credit risks from changes in political and economic conditions, laws and regulations, competition, customer behaviours and consumption needs, key vendors and technology and assess and address the potential impacts to the business

Maintain a strong control / governance process

Establish & maintain strong, transparent relationships with internal audit and regulators

The must haves :

At least 10 15 years of relevant experience which should include 5 7 years of managerial or supervisory experience

Having exposure in various types of other risk types risks (i.e. liquidity risk, operational risk, Market risk etc) within a bank

CFA, FRM and other professional qualifications preferred

Knowledge in technology or data analytics

Communication

Expert knowledge on risk areas, banking products, services and systems

Get to know Grab :

Grab is more than just the leading ride-hailing and mobile payments platform in Southeast Asia. We use data and technology to improve everything from transportation to payments and financial services across a region of more than 620 million people.

We work with governments, drivers, passengers, merchants, and the community, to solve critical problems in Southeast Asia.

Grab began as a taxi-hailing app in 2012, but we have since extended our product platform to include GrabCar, GrabShare, GrabBike, GrabHitch, GrabExpress, GrabFood, GrabCoach, GrabShuttle, GrabCycle.

We recently launched our fintech platform GrabFinancial, which consists of payments, lending and insurance. Our latest addition is GrabVentures, an in-house incubation platform.

We are focused on pioneering new commuting and payment alternatives for drivers and passengers with an emphasis on convenience, safety, and reliability.

Currently, we offer services in 8 countries. Our R&D offices are in Singapore, Seattle, Beijing, Bangalore, Jakarta and Vietnam.

We aspire to unlock the true potential of Southeast Asia and look for like-minded individuals to join us on this ride.

If you share our vision of driving South East Asia forward, apply to join our team today.

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