AM/MGR, Analyst/Senior Analyst, Retail Credit Risk Modelling

Overview

As Singapore’s longest established bank, we have been dedicated to enabling individuals and businesses to achieve their aspirations since 1932. By understanding people, we provide support, services, solutions, and career paths that meet their needs and desires.

Today, we’re on a journey of transformation—leveraging technology and creativity to become a future-ready learning organisation. Our strategic ambition is clear and bold: 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.

Why join

Excellent opportunity for an experienced credit risk professional to join a high-performing and evolving Group Risk Portfolio Management (GRPM) function. GRPM comprises a broad range of functions focused on credit portfolio management across OCBC Group’s banking subsidiaries. This position is under the Credit Risk Modelling (CRM) team within GRPM.

How you succeed

Thrive by applying strong quantitative skills, mastering regulatory frameworks, collaborating with stakeholders, and delivering robust, compliant credit risk solutions.

Your responsibilities

Reporting to the Head, Retail Credit Risk Modelling, your responsibilities include:

• Develop, implement, and maintain credit risk models supporting the Consumer, Small Business and Wealth segments of the Group
• Monitor, back-test and report performance of the models to ensure adherence to performance standards and early detection of weaknesses
• Develop and maintain user requirements, parameters and configurations of systems housing the models
• Develop in-depth expertise in credit risk modelling methodologies
• Work closely with independent model validators to ensure compliance with the model governance framework and timely closure of validation findings
• Engage with auditors and regulators to ensure compliance with relevant requirements
• Engage with various stakeholders to develop analytical solutions using model outputs in credit decisioning, business strategies, allowance, and capital assessment

Who you work with

CRM is a high-profile, multi-disciplinary risk analytics team that covers credit risk models at OCBC Group. Key functions include developing, implementing and managing various credit risk models such as credit risk scorecards, internal rating models, IFRS 9-based expected credit loss models, credit stress testing models, economic capital models, and machine learning models that support the Group’s credit risk measurement. These models are embedded in credit underwriting, customer selection, limit setting, early warning and problem recognition, as well as assessment of capital and provision adequacy.

Who you are

• At least 3–5 years of working experience in credit analysis/modelling or credit risk management of Consumer, Small Business or Wealth portfolios for Senior Analyst.
• Degree in quantitative/financial disciplines such as Mathematics, Statistics, Computer Science, Accounting, Finance, Economics, or equivalent professional certifications. Fresh graduates with strong quantitative, analytical, and programming skills are welcome to apply.
• Strong computational skills with experience in handling data and performing quantitative analysis.
• Good understanding of Basel III, IFRS regulations and credit products.
• Analytical and independent thinker with strong written and verbal communication skills.
• Willing to take on new challenges and work in a fast-paced environment.

What we offer

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 cared for along with the needs of our customers.