Risk Model & MIS Manager

United Overseas Bank · Ho Chi Minh City

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About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values – Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

Job Description

Overview of the Role

The position is responsible for leading the development, validation, implementation, and ongoing monitoring of credit risk models—including PD, LGD, EAD, and scorecards—for retail banking portfolios. The role ensures compliance with regulatory requirements and alignment with business strategies, while supporting data-driven decision-making across the organization. This role will report to Head of Risk Model, Risk MIS & Reporting.

Job Responsibilities

• Lead the end-to-end lifecycle of credit risk models across secured and unsecured retail products, including development, validation, implementation, and performance monitoring.
• Collaborate with Group Model Risk, Risk Execution, Technology, and other relevant stakeholders to ensure effective model deployment and governance.
• Manage model-related system projects, including planning, testing, implementation, and post-deployment reviews.
• Conduct model performance monitoring, back-testing, and recalibration to ensure accuracy and relevance.
• Develop and maintain dashboards and reports to support model risk analytics and portfolio insights.
• Ensure models comply with internal governance frameworks and external regulatory standards (e.g., Basel, IFRS 9, ICAAP).
• Liaise with regulators and internal audit teams on model-related matters, ensuring transparency and readiness for reviews.
• Build automated reporting and interactive dashboards to support data-driven decisions in collaboration with Global Technology, Group Risk, and other functions.
• Utilize data processing tools for analytics and MIS generation.
• Contribute to the enhancement of modeling techniques, workflows, and processes by applying deep domain expertise and industry best practices.
• Analyze credit and financial performance using statistical techniques (e.g., segmentation, regression, simulation) to support policy recommendations.
• Apply decision tree and data mining approaches to explore business requirements and propose risk mitigation strategies.
• Monitor credit performance across retail banking portfolios and prepare risk management presentations for senior management.
• Participate in the development, testing, and optimization of credit policies, ensuring consistency and regulatory compliance
• Maintain and update process documentation, including data quality assurance controls.
• Demonstrate sound risk judgment and uphold compliance with applicable laws, regulations, and internal policies.
• Provide technical guidance, training, and support to junior analysts to build team capability.

Job Requirements

• Bachelor’s degree or equivalent experience in a quantitative or finance-related field.
• Minimum 5–8 years of relevant experience, preferably in retail risk management. Experience in banking, accounting, finance, reporting, or data analytics will also be considered.
• Proven experience in model risk management and system implementation.
• Familiarity with model governance and validation frameworks.
• Strong expertise in financial analysis and large-scale data processing.
• Solid understanding of accounting principles, corporate finance, financial modeling, credit and banking products, credit analytics, and risk assessment.
• Demonstrated ability to synthesize complex information, prioritize tasks, and deliver results with urgency.
• Strong organizational skills with the ability to manage multiple projects in a fast-paced environment.
• High level of accountability, self-motivation, and business acumen.
• Proficiency in statistical and programming tools such as SAS, Python, R, or equivalent.
• Experience in decision tree modeling, scorecard development, or predictive analytics is a plus.
• Proficient in English, both written and verbal.

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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