SME Credit Policy and Digital Initiatives - Analyst

Role & responsibilities

As a part of the SME Credit Policy and Digital Initiatives dept., you will play a pivotal role in shaping policies, managing portfolios, and implementing cutting-edge digital initiatives to support sustainable growth in the SME sector.

Key Responsibilities:

Policy and Program Development

• Innovation: Ideate and design new policies/programs in collaboration with product and business teams to unlock new opportunities in SME lending while ensuring regulatory compliance.
• Optimization: Drive updates, modifications, and renewals of existing policies and programs by engaging with cross-functional teams, including business, risk and compliance.

Digital Transformation

• Innovation: Spearhead the implementation of digital tools such as BREs, scorecards, and straight-through processing (STP) journeys.
• Automation: Develop workflows to streamline early warning systems and enhance efficiency in credit monitoring.

Portfolio Management and Risk Mitigation

• Monitoring: Oversee portfolio health and delinquency, leveraging data analytics to identify early warning signals and improve policies.
• Problem Solving: Investigate root causes of credit delinquencies and deterioration, using insights to refine credit processes.
• Reporting: Generate actionable reports on portfolio quality, delinquency trends, and other key metrics for senior management
• Strategic Reviews: Conduct periodic and event-driven portfolio reviews to assess underlying quality, emerging risks, and trends, recommending proactive measures.

Market Intelligence and Industry Insight

• Benchmarking: Leverage your professional network to analyse competition and industry trends for strategic advantage.

Sector Expertise: Stay updated on sectoral and industry developments to identify emerging risks and opportunities

Key Skills:

• A fresh graduate or seasoned professional with a background in SME lending and credit strategy.
• Proficiency in data analytics and digital tools for credit monitoring.
• Ability to leverage tools like Excel, Python, Power Apps, and SQL for data-driven decision-making
• Expertise in portfolio management, risk assessment, and regulatory compliance.
• Strong communication and stakeholder management skills.
• A proactive mindset with a passion for driving innovation in the financial sector.