Regulatory Supervision

• Apr 2020 - Present

Risk Management & Compliance, Retail Financing

• 2019 - Apr 2020

Retail Financing, CFS-ConsumerMonitor Retail Portfolio Performance as follows: a- Financial performance inclusive of size of portfolio, profitability, cost & overheads and involve with mfrs9 implementation. b- Credit Risk performance inclusive of credit rwa, impaired loans, special mentioned accounts (sma), newly classified impaired loans(ncil), collective allowances (ca) and stress testing.c- Operational Risk inclusive of Risk Control and Self Assessment (RCSA), Incident Management and Data Collection (IMDC) and Business Continuity Plan (BCP).d- Monitor Product Development and Compliance inclusive of credit paramater, regulatory requirements and profitability of products and campaigns.e- RWA budgeting, forecast and projection.f - Product pricing formulation strategy.g - Retail portfolio working committee for MFRS9 implementation which focusing on PD, LGD and EAD impact from Basel to FRS9 perspective. Show less

Lombard Credit Risk Monitoring & Assessment

• 2018 - 2019

Credit Risk, Group Wealth Management1. To support Head of Credit Management in collateral monitoring functions, margin calls and force selling are executed timely in ensuring all counter party exposure is covered on a daily basis for all Lombard Credit asset classes in line with the Bank's credit risk in order to prevent the loan from turning NPL.2. To support Head of Credit Management in establishing the Collateral Management improvement, review and creation of new processes and implementation of new collateral management platform/system in meeting the regulatory requirement.3. Responsible for Margin of Advance assignment to facilitate collaterals valuation and managing the Bank’s exposure through collateralization at all times.4. Responsible for daily Client Position Monitoring, Margin Erosion Percentage (MEP) monitoring and Management and regulatory reporting.5. To build working relationships with all stakeholders namely Sales and Investment, Credit Middle Office, Technology, Operations, Finance and etc. Show less

Consumer Credit Risk, Market Risk

• 2013 - 2018

Consumer Risk, CFS Risk Management, Group CFS1. Provide supportive credit and risk analytics for all consumer products (Mortgage, Cards, Hire Purchase, Retail SME and other retail financing products) in Community Financial Services (CFS) portfolio to facilitate optimization of risk mitigation and surveillance is in accordance with CFS portfolio.2. Leading the preparation of the monthly CFS portfolio credit to local management & Group CFS and highlight any key concerns and changes in the risk profile.3. Propose enhancement to the Enterprise Risk Dashboard (ERD) at business sector. Prepare and analyse the monthly ERD including leading, lagging, coincident, trending indicator and benchmarking against industry & peers.4. Responsible to formulate and set/ propose threshold for ERD risk metrics and assessment. Analyze and alerts the management on any anomalies, trends and events that could potentially impact CFS.5. Assist to plan and organise the half yearly stress testing program, event triggers or ad-hocstress test from Group Risk and subsequently to business sector. Show less