OCBC Malaysia
Banking
Head,ConsumerUnsecuredRiskManagement
“Head, Consumer Unsecured Risk Management at OCBC Malaysia. Skills: unsecured lending risk, portfolio management, credit risk oversight, governance & compliance, business partnership & strategy. Provide strategic leadership over unsecured lending risk (Credit Cards & Personal Loans or other unsecured products in due time), with clear accountability for portfolio quality and performance. Set and continuously refine underwriting standards, credit policies, and risk frameworks aligned to risk appeti”
What You'll Achieve.
Clear accountability for portfolio quality and performance. Balancing growth, profitability, and asset quality. Optimise portfolio outcomes. Ensure resilience across economic cycles. Support business growth.
Industry & Context.
portfolio analytics; stress testing; scenario analysis
What They're Looking For.
Must Have
Degree in Accounting, Finance, Economics, Business, or related discipline. Minimum 12–15 years of experience in unsecured consumer credit risk, with deep exposure to Credit Cards and/or Personal Loans. Proven track record in managing large-scale portfolios and delivering risk-adjusted growth. expertise in portfolio analytics, scorecards, and credit strategy development. Demonstrated ability to influence senior stakeholders and challenge business constructively. Strategic mindset with commercial acumen. High integrity, sound judgement, and ability to make balanced decisions under pressure.
What You'll Do.
Provide strategic leadership over unsecured lending risk (Credit Cards & Personal Loans or other unsecured products in due time), with clear accountability for portfolio quality and performance.
Set and continuously refine underwriting standards, credit policies, and risk frameworks aligned to risk appetite and market conditions.
Approve high-risk policies, key portfolio strategies, and material exceptions.
Drive proactive risk management through forward-looking monitoring of portfolio trends, including early delinquency indicators and emerging risks.
Ensure alignment with regulatory expectations (e.g., BNM) and Group risk standards.
Lead the regular enhancement of credit policies, scorecards, and decision frameworks to remain competitive and prudent.
Act as senior interface for audit and regulatory engagements relating to unsecured lending.
Uphold robust governance, control environment, and risk discipline across all credit processes.
Own and steer portfolio performance across credit cards and personal or other unsecured products in due time, balancing growth, profitability, and asset quality.
Drive segmentation strategies backed by data across acquisition, line management, and collections to optimise portfolio outcomes.
Leverage analytics, stress testing, and scenario analysis to ensure resilience across economic cycles.
Partner closely with Analytics teams to pre-empt and mitigate portfolio deterioration.
Act as a strategic partner to Business, Product, and Marketing teams in driving cards and personal or other unsecured products in due time, to support business growth.
Provide independent and constructive challenge to commercial strategies while enabling innovation.
Support expansion initiatives (new products, digital channels, partnerships) with robust risk frameworks.
Translate market trends and internal data insights into actionable credit strategies.
Lead and inspire a high-performing unsecured risk management team, building bench strength and succession pipeline.
Set clear performance expectations aligned to portfolio and business outcomes.
Drive digitalisation and automation of credit decisioning to enhance efficiency and customer experience.
Strengthen risk culture, ensuring disciplined and consistent decision-making across the team.
How You'll Work.
Team & Collaboration
Partner closely with Analytics teams to pre-empt and mitigate portfolio deterioration. Act as a strategic partner to Business, Product, and Marketing teams in driving cards and personal or other unsecured products in due time, to support business growth.
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