Job Family Card - Credit Modelling

Gather data on repayment of consumer and corporate from different eligible sources. Identify credit modelling requirements and determine variables for predicted outcome. Develops factors weights according to the importance of the risk predictors. Develop the statistical analysis credit models. Generates credit scoring reports.

Job Family Code

BCE

Career Path View

Job Roles

Card Job Role Description

Job Role

Credit Modelling Analyst

Job Family Code

BCE

Job Family

Credit Modelling

Responsibilities

    Gather data on repayment of consumer and corporate from different eligible sources and enter into relevant data systems.

    Meet clients to understand credit scoring requirements and identify the outcome needing to be predicted.

    Determine the variables needing to be ranked according to how relevant they are to the predicted outcome.

    Apply advanced quantitative techniques to develop credit models fitting the client’s needs.

    Answer inquiries and provide technical interpretation on credit models and credit score reports.

Card Job Role Description

Job Role

Senior Credit Modelling Specialist

Job Family Code

BCE

Job Family

Credit Modelling

Responsibilities

    Develop the statistical analysis credit models according to clients needs taking into account the changing factors that determine an accurate credit score.

    Calculate individuals and corporate scoring based on payment record, frequency of payments, amount of debts, credit charge-offs, etc.… to evaluate their credit worthiness.

    Utilize statistical analysis excluding subjective factors to ensure consistency of data and accuracy of the modelling factors to make the process fair, transparent and protect consumers.

    Develop factors weights according to the importance of the risk predictors, and ensure accurate input into the model.

    Generate different types of credit scoring reports ensuring accuracy and compliance to protection and secrecy regulations.

Card Job Role Description

Job Role

Credit Modelling Manager

Job Family Code

BCE

Job Family

Credit Modelling

Responsibilities

    Develop the credit modelling function policies and procedures including the use of credit modelling technology and big data management systems.

    Validate consistency and accuracy of credit models developed and applied, calibrate to improve accuracy, and ensure their compliance to regulations and organisation standards.

    Ensure reflection of credit modelling trends, machine learning, and relevant regulations onto the newly developed models to improve effectiveness and ensure compliance.

    Determine data sources, negotiate and establish data acquisition deals ensuring organisation's strategy and standards are met.

    Monitor the performance of credit models and ensure proper implementation and efficiency.

Card Job Role Description

Job Role

Head of Credit Modelling

Job Family Code

BCE

Job Family

Credit Modelling

Responsibilities

    Contribute to the formulation of the overall organisation's strategy, in collaboration with others in the executive team, focusing on the organisation's credit modelling function.

    Approve and ensure implementation of credit modelling function policies and procedures and ensure its efficiency.

    Manage credit modelling function and ensures its compliance to regulatory requirements as well as market standards.

    Manage and monitor credit modelling function budget for cost efficiency.

    Manage internal and external relationships and represent the organisation in all business matters related to credit modelling function.

    Oversee and approve data sources negotiations and data acquisition deals ensuring organisation's strategy and standards are met.

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