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

Account Strategy Team (AST) Manager / Analyst

Department

Risk Monitoring

Reports To

Head, Risk Monitoring

Job Purpose

The Account Strategy Team (AST) is responsible for proactive portfolio monitoring, governance, and coordination activities to ensure timely completion of customer reviews, compliance with credit requirements, and effective stakeholder management. The team serves as a central coordination point between business units, credit functions, and external agencies to facilitate timely resolution of portfolio-related matters and support overall asset quality management.

Key Responsibilities

1. Portfolio Monitoring & Governance

• Trigger, monitor, and track all Exception Reviews (ERs) across the assigned portfolio.
• Monitor and follow up on overdue:
  • Exception Reviews
  • Post Disbursement Conditions (PDCs)
  • Renewal & Reviews (R&R)
  • Special Mentioned (SM) customers
• Maintain accurate tracking dashboards and management reports for overdue review activities.
• Escalate overdue cases to relevant stakeholders and management in accordance with established escalation protocols.
• Analyse aging trends and identify root causes for overdue reviews and covenant breaches.
• Recommend action plans to improve portfolio compliance and review completion rates.

2. Account Strategy & Risk Monitoring

• Perform portfolio surveillance and identify accounts requiring strategic intervention.
• Monitor accounts exhibiting signs of deteriorating credit quality and coordinate early remediation actions.
• Track high-risk, watchlist, and special monitoring accounts to ensure timely risk mitigation measures.
• Monitor compliance with approved credit terms, conditions, covenants, and regulatory requirements.
• Support initiatives aimed at reducing portfolio delinquency and preventing NPL migration.

3. Stakeholder Management & Coordination

• Act as the primary liaison between key stakeholders, including:
  • EE Credit Approvers
  • EE Collection Management (EECM)
  • SJPP
  • AKPK
  • EE Sales Teams
  • EE MO
• Facilitate timely communication and information exchange among stakeholders.
• Coordinate resolution of review, compliance, and documentation issues affecting customer accounts.
• Drive action plans and monitor completion of agreed deliverables across stakeholders.

4. Regulatory & Compliance Oversight

• Ensure customer reviews and monitoring activities comply with internal credit policies and regulatory requirements.
• Track regulatory reporting requirements related to portfolio monitoring activities.
• Ensure proper documentation and maintenance of audit trails for all follow-up actions.
• Support internal and external audits by providing required information and evidence.

5. Management Reporting & Analytics

• Prepare regular portfolio monitoring reports for management committees and senior management.
• Develop and maintain portfolio dashboards, KPIs, and management information systems.
• Perform trend analysis on overdue reviews, covenant exceptions, PDC completion rates, and portfolio risks.
• Provide insights and recommendations to support portfolio management decisions.

6. Continuous Improvement

• Identify opportunities to strengthen monitoring processes and controls.
• Drive process automation and digitization initiatives to improve operational efficiency.
• Review and enhance tracking mechanisms, reporting tools, and escalation frameworks.
• Contribute to policy, SOP, and workflow enhancements relating to portfolio management activities.

Key Performance Indicators (KPIs)

• Timeliness of review completion.
• Reduction in overdue reviews and R&R backlog.
• PDC fulfilment rate.
• Timeliness of SM account monitoring and escalation.
• Accuracy and timeliness of management reporting.
• Stakeholder service level adherence.
• Reduction in exceptions and audit findings.
• Contribution to portfolio quality and NPL prevention initiatives.

Skills & Competencies

• Strong understanding of credit risk management and portfolio monitoring.
• Knowledge of banking credit processes, reviews, and regulatory requirements.
• Strong stakeholder management and communication skills.
• Analytical and problem-solving capability.
• Proficiency in Excel, data analytics, and dashboard reporting.
• Strong organizational and project coordination skills.
• Ability to work across multiple stakeholders and manage competing priorities.

Preferred Experience

• Degree in Finance, Banking, Business, Accounting, Economics, or related disciplines.
• 3 to 8 years' experience in Credit Risk, Portfolio Management, Risk Monitoring, Credit Administration, or Relationship Management.
• Familiarity with SME, Commercial, and Business Banking portfolios.
• Experience dealing with Credit Approvers, SJPP, AKPK, and credit review governance processes is an added advantage.

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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