Head, Risk Monitoring

Company: 2201 United Overseas Bank (Malaysia) Bhd

About UOB
United Overseas Bank Limited (UOB) is a leading bank in ASEAN with a global network in Southeast Asia, Asia Pacific, Europe and North America. Operating through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia, Thailand and Vietnam, we have a global network of about 430 branches and offices in 19 markets. At the heart of UOB is our culture, shaped by the UOB Way and anchored on our four values – Honourable, Enterprising, United and Committed. For more than 90 years, these values have guided how we do right by our customers, collaborate with one another and create long-term value for the communities we operate in. As One Bank, we are committed to helping our colleagues build sustainable careers grounded in purpose, supported by strong values, and enriched with meaningful opportunities to grow.

Job Description

- Lead the independent oversight and monitoring of portfolio quality across the Emerging Enterprise Singapore (EES) portfolio, ensuring risks are identified, assessed, and managed proactively.

- Monitor key portfolio risk indicators including Non-Performing Loans (NPLs), delinquency trends, risk migration, watchlist accounts, Special Mention Accounts (SMA), restructuring cases, and other emerging risk signals.

- Provide independent challenge, risk assessment, and portfolio oversight to Business and Credit teams to ensure sound credit risk management practices.

- Establish and maintain robust portfolio monitoring frameworks, governance processes, and risk reporting mechanisms to support informed decision-making.

- Ensure timely completion and effective management of annual credit reviews, Out-of-Order Excess (OOE) reviews, credit undertakings, portfolio monitoring activities, and governance reporting requirements.

- Drive adherence to internal credit policies, regulatory requirements, and risk management standards through effective monitoring controls and governance oversight.

- Strengthen early warning detection capabilities by identifying deteriorating credit profiles, monitoring vulnerable accounts, and ensuring timely escalation of emerging risks.

- Collaborate with stakeholders to develop and implement action plans for problem credits, high-risk exposures, and portfolio vulnerabilities.

- Lead portfolio remediation initiatives arising from regulatory reviews, internal audits, policy enhancements, thematic reviews, or portfolio assessments, ensuring timely closure of identified gaps.

- Recommend and implement risk mitigation strategies to improve portfolio resilience and asset quality.

- Partner closely with Business, Credit, Trade Development, Collections, Audit, Compliance, and Senior Management teams on portfolio risk-related matters and strategic risk initiatives.

- Prepare and present portfolio risk insights, trends, and recommendations to senior management and relevant governance committees.

- Lead, coach, and develop the Risk Monitoring team, fostering a high-performance culture focused on risk excellence, accountability, and continuous improvement.

- Establish team objectives, performance standards, and development plans to build a strong risk management capability and succession pipeline.

- Promote a strong risk culture across the organization through effective stakeholder engagement, challenge, and risk awareness initiatives.

Job Requirements

- Bachelor's Degree in Finance, Accounting, Banking, Economics, Business Administration, or a related discipline.

- Minimum 10 to 15 years of relevant banking experience, preferably within SME, Commercial Banking, Business Banking, or Corporate Banking environments.

- Strong experience in credit risk management, portfolio risk oversight, portfolio monitoring, and risk governance.

- Demonstrated expertise in credit surveillance, portfolio analytics, early warning monitoring, and problem credit management.

- Sound understanding of credit risk policies, regulatory expectations, asset quality management, and portfolio remediation practices.

- Proven track record in managing and improving portfolio quality indicators, including NPLs, delinquency levels, watchlist accounts, and risk migration trends.

- Experience leading remediation programs arising from audit findings, regulatory reviews, or risk management initiatives.

- Strong analytical and risk assessment capabilities with the ability to derive actionable insights from portfolio data and trends.

- Excellent stakeholder management and influencing skills, with experience engaging senior business leaders, credit approvers, and governance forums.

- Strong leadership and people management experience, including team development, coaching, performance management, and succession planning.

- Effective communication and presentation skills, with the ability to articulate complex risk issues to both technical and non-technical stakeholders.

Additional Requirements

Be a Part of the UOB Family

UOB is an equal opportunity employer. UOB does not discriminate on the basis of a candidate's age, race, gender, color, religion, sexual orientation, physical or mental disability, or other non-merit factors. All employment decisions at UOB are based on business needs, job requirements and qualifications. If you require any assistance or accommodations to be made for the recruitment process, please inform us when you submit your online application.

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