Get to know: We are living in dynamic times. Technology is reshaping how we live, and we want to use it to redefine how financial services are offered. GXS Bank is the full digital bank in Singapore offering everyday banking services. We are committed to building a diverse and inclusive workplace where everyone can thrive and contribute their unique perspectives. Join us in our mission to provide financial inclusion for people in our region. We are now expanding our operations with the establishment of a Shared Services Entity in Malaysia - Neo Services Sdn Bhd (NEO), to support our growth and operational excellence. NEO will centralize key functions such as Customer Services, Banking Operations and Credit Operations; enabling scalable solutions that align with our vision, agility and efficiency for the GXS Bank. Get to know the role: Based in Malaysia, this role is part of the Credit Risk team. The role works closely with the Risk, Product and Tech teams in Singapore and involves designing, building, and maintaining credit risk reports, analysing portfolio performance, and providing insights into the credit portfolios for the bank. Responsibilities: Design and generate periodic credit risk OR Fraud reports. Automate these where possible. Generate ad hoc reports and analyses as required. Understand the bank's credit portfolio - what it comprises, how it has been changing, and where the risks and opportunities are. This entails consumption of periodic reports, as well as analytical deepdives. Work closely with the rest of the Credit Risk and Data Science teams to drive refinements to the bank's credit policies and credit models. Present portfolio reports / analyses to the bank's senior management. Assist in developing and maintaining the analytics infrastructure (i.e. data sources and technology solutions) that supports timely and accurate credit risk reporting. Collaborate with data engineers to build data pipelines that integrate new data feeds into existing systems. Perform User Acceptance Testing (UAT) for credit risk-related systems, focusing on the efficacy of reporting tools. Conduct ongoing analyses of portfolio performance to identify segments that require facility reviews. Work with the Collections team to analyse customer repayment behavior, identify potential fraudulent applications, and escalate cases to the Fraud team for further investigation. Actively engage with Credit Risk Manager to discuss portfolio shapes, trends, and any abnormalities observed in portfolio movements. Support ongoing Credit Risk enhancement projects, including vendor selection, management, and systems implementation. Qualifications: Bachelor's or postgraduate degree, preferably in Data Science, Computer Science, Mathematics or an equivalent quantitative area. At least 3-5 years of relevant experience in banking (preferably in a risk, business or product role for a retail and/or SME lending portfolio(s)). Proficient with SQL. Proficiency with Python (for at least data manipulation) strongly preferred. Familiarity with the Singapore retail and/or SME lending market and regulatory environment strongly preferred. Familiarity with creating and maintaining dashboards/reports in Tableau preferred Proficiency with Google Workspace preferred. Ability to produce high quality analysis using structured and unstructured data. An enthusiastic team player who can figure it out, get stuff done, have fun and is excellent in communication and stakeholder management. Show more Show less