Credit Decision Science Specialist

Credit Decision Science Specialist

Hong Leong Bank
Not Specified
Not Specified

Job Description



If you are looking to excel and make a difference, take a closer look at us
This position has the full responsibility for the teams covering end to end development of Credit Risk Models covering all unsecured and secured lending products across the different markets. We are seeking motivated and skilled professional with strong business acumen with hands on approach to complete assigned tasks within tight deadlines. The candidate must be a team player and result oriented, poses excellent communication and presentation skills, and able to work under tight timeline.
Key Responsibilities:
  • Full responsibility for the teams covering end to end development of Credit Risk Models covering all unsecured and secured lending products.
  • Optimizing the risk/return outcomes through creation of decision strategies and campaigns leveraging on predictive models
  • Manage the data inputs and outputs of credit risk systems to facilitate the accurate implementation of credit risk models and strategy, and the effective monitoring of scoring/strategy.
  • Ensure the effective interpretation of models, policy, and strategy within credit risk systems.
  • Maintain proper governance of credit risk model in the credit scoring platform / engine.
  • Provide assistance to Model Validation.
  • Ensure timely preparation of monthly performance monitoring of credit scorecards to ensure their robustness.
  • Driving the innovation cycle by working with business and risk to identify the next opportunity and develop advanced analytics solutions to push forward our thinking.
  • Motivating and mentoring a team data scientist and modelers to grow their skills and careers.
  • Provide thought leadership for machine learning and data science research.

Requirements:
  • PhD/Post Doc in any field with advanced quantitative focus or Master Degree with high distinction in modelling oriented discipline including but not limited to Statistics, Mathematics, Physics, Engineering, etc
  • Experience in leading modelling and analytics teams within a global international information-based company or a corporate innovation research lab or consulting firm. Expertise in small business or consumer risk especially scoring and forecasting models, is particularly useful
  • Demonstrated capability in turning blackbox algorithms into attributes and calculations appropriate for risk and pricing and translating analysis findings into solutions in a highly regulated environment
  • Sound knowledge and application in the followings:
  • Advance statistical methods including complex multivariate statistical methods, discrete choice modelling, conjoint based analysis
  • Machine learning including Bayesian methods, neural networks, etc
  • Excellent knowledge of data mining/predictive modelling
  • Extensive experience meeting regulatory reporting requirements for model usage in banking or another regulated industry

Job Details

Hong Leong Bank ('HLB') stands proudly as a leading financial services institution based in Malaysia, providing a wide range of comprehensive and innovative financial solutions across the region. These services are delivered through both digital and traditional means, via online and mobile banking, as well as our digital branch concept to provide customers with an efficient and seamless experience aided by technology. As the service and financial landscape changes rapidly with the ever-increasing use of technology, staying attuned to customers needs and desires becomes even more critical to HLB's operations. To stay ahead of these dynamic changes, the Bank has adopted the approach of reimagining banking by embedding digital considerations and customer centricity in every aspect of our operations, from products and services as well as customer care and engagement. HLB's ethos of being Digital-At-The-Core powered by customers-at-the-forefront will continue to lead us to innovate offerings in line with our aspiration of being a highly digital and innovative financial services organization.

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