Credit Risk Analyst (Portfolio & Risk Analytics)

We are hiring a Credit Risk Analyst on behalf of our client, a leading Chinese bank in Singapore. You will play a key role in monitoring the Bank’s credit portfolio, preparing risk reports, supporting stress testing and IFRS 9 ECL processes, and strengthening the Bank’s credit risk framework. This role offers excellent exposure to portfolio risk management and regulatory risk reporting in a dynamic banking environment.

Responsibilities

• Support the development and enhancement of credit risk policies, frameworks, and governance standards to strengthen risk management.
• Monitor adherence to internal credit policies and regulatory requirements to ensure compliance.
• Prepare and deliver regular portfolio risk reports and management information for Senior Management, Risk Committees, Head Office, and regulators.
• Conduct portfolio analysis to identify concentration risks, emerging trends, early warning signals, and risk indicators for proactive risk mitigation.
• Support credit portfolio stress testing exercises by performing scenario analysis and preparing regulatory submissions.
• Assist in IFRS 9 Expected Credit Loss (ECL) calculations, reporting, and model enhancement initiatives to ensure accurate risk measurement.
• Support climate and environmental risk management activities, including portfolio monitoring and climate risk assessments.
• Collaborate effectively with stakeholders across Credit, Risk, Finance, Compliance, and Business teams to drive risk-related initiatives.
• Participate in ad-hoc projects and assignments as delegated by the Head of Credit Risk, contributing to continuous improvement.

Required competencies and certifications

• Bachelor’s Degree in Finance, Banking, Economics, Accountancy, Statistics, Mathematics, or other quantitative disciplines.
• 2–5 years of experience in Credit Risk, Portfolio Risk, Risk Analytics, Credit Portfolio Management, or Enterprise Risk within a bank or financial institution.

Preferred competencies and qualifications

• Exposure to portfolio reporting, stress testing, IFRS 9 ECL, risk analytics, or regulatory reporting.
• Experience with SQL, SAS, Python, Power BI, Tableau, or similar analytical tools.
• Fresh exposure to climate/environmental risk management.
• Proficient in Microsoft Excel.
• Good understanding of banking products and credit risk concepts.
• Strong communication and stakeholder management skills.
• Ability to work independently and manage multiple priorities.
• Proactive, responsible, and eager to learn.