Credit Risk Analyst (VP or AVP)

Job description

Our client, a well- established bank with a presence in Asia is looking to expand their business and is looking for a Credit Risk Analyst to join their Consumer Banking business team. For candidates who are interested, please email your cv directly in word format with job reference no. 000016409 to (HIDDEN TEXT) Please note that due to the high number of applications only shortlisted candidates will be contacted. If you do not hear from us in the next 5 business days, we regret to inform you that your application for this position was unsuccessful. EA Licence: 16S8131 Recruiter Licence: R22104669 (HIDDEN TEXT) Key responsibilities Design and implement data-driven risk frameworks (e.g., cut-offs, affordability/indebtedness checks, loan sizing, risk-based pricing) across lending products Ensure alignment with approved credit policies and local regulatory requirements for unsecured lending Analyse diverse data sets to develop and refine credit and fraud risk strategies Monitor origination, portfolio, and collections performance against KPIs and defined risk appetite Continuously test, validate, and benchmark risk strategies using advanced analytics Partner cross-functionally (Product, Technology, Data Engineering, Analytics) to deliver business-aligned outcomes Lead documentation and governance processes for risk strategy design and approvals Role requirements 6+ years of experience in credit risk within consumer/retail banking Strong analytical and problem-solving skills with sound commercial judgement Deep understanding of local unsecured lending regulations Solid expertise in credit risk modelling (PD, LGD, EAD), including model application, implementation, and validation Proven experience in data-driven strategy development, customer segmentation, and credit policy formulation Familiarity with AI/ML techniques in retail credit risk is an advantage