The Singaporean Banking Grup

• Design and set up SME credit policy
• Design and set up SME credit factory and
• end-to-end credit process
• Maintain asset quality while pursuing
• aggressive growth
• Recruit and develop credit team

Credit Policy • Work with business heads to decide on credit appetite and to design loss norms for the business • Design and implement credit programs • Set up and oversee credit policy and compliance for SME Credit Process • Design and set up end-to-end credit process for SME – from origination, to collections, to hard recovery • Set up service level agreements with business units and ensure delivery against service level KPI’s • Continuously refine and improve operating efficiency to best-in-market benchmarks People Management • Recruit and train team of functional risk experts in credit factory • Develop KPI’s for each role and monitor achievement Portfolio Management • Set up portfolio triggers and monitor asset quality • Set up credit MIS • Control cost-of-credit against plan and ensure risk-reward optimality

• Deep experience in risk management with at least 5 years in a senior capacity
• Deep understanding of SME / Commercial banking credit risk
• Open-minded and business oriented
• Evidence of ability to manage process and teams

• Credit factory service level agreement delivery
• Cost-of-credit versus plan
• Credit factory operating
• efficiency and cost ratio
• Risk-reward parameters