- Provide assurance that credit risk models used for credit decisioning, limit setting, credit pricing, business strategy, capital and provisioning are fit-for-purpose and comply with Basel IRB and IFRS9 internal bank standards and policies.- For in-house model validation, perform model validation for new/revised models prior to implementation; and existing models' post-implementation annually.- For model validation outsourced to external validators, coordinate and track validation progress; review validation findings and work quality; check coverage and compliance with IRB and IFRS9 standards and internal policies.- Follow up on closure of validation findings and recommendations by the responsible parties.To identify and maintain validation datasets and storage.- To update annual model validation planning and scheduling. This involves synchronizing work activities and timing among model development/monitoring team, external validators and internal validation team.- To coordinate the updating of credit risk model-related framework, policies and procedures, validation tools and report templates etc.

- Basel model monitoring and annual review for retail portfolios models including PD, EAD and LGD.- MFRS9 model monitoring and annual review for retail portfolios models including PD forward looking, PD Term Structure, EAD and LGD.- Involve in the project of FIRB project.- Involve in development of PD models for retail portfolios using expert-based models and slotting method.- Develop retail portfolios model monitoring reports using reporting tool, perform back-testing and ad-hoc analysis based on management request.- Implement in-house built models and models built by external vendors into model execution platform, including specifying business and data requirement, reviewing functional specifications, perform user acceptance testing, etc.- Provide day-to-day support to business users with regards to retail model segmentation, model structure, rating accuracy, scores information/interpretation, etc.

- Drive initiatives to improve the collection activities.- Ensure quality and delivery of enhancements on time.- Resolve issues and manage expectation.- Prepare functional/user specification, test scripts and advises business on user requirement.- Involved the project of Debt Manager Upgrade & Debt Manager Revamp (Phase 1). Act as coordinator managed the 20 testers under me during UAT testing. - Involved the project of Debt Manager Revamp (Phase 2). Act as coordinator managed the 30 testers under me during UAT testing.

- Implementing template (MS Excel) for proceed checking to meet checker guideline. - Reporting call agent’s score card (performance report) and department business report.- Coordinate and compile department monthly, quarterly and yearly compliance report to meet Bank Negara guideline.

- Liaising with Product Manager to gather information and resolve issues for new product launch, guideline, to apply in Contact Centre process to ensure service level is met.- Work closely with department leaders and employees to identify improvement opportunities and prioritize improvement efforts.- Review, maintain and update process documentation.- Planning schedule, including shift patterns and the number of staff required to meet demand.

- Drive initiatives to improve the collection activities.- Ensure quality and delivery of enhancements on time. - Resolve issues and manage expectation. - Prepare functional/user specification, test scripts and advises business on user requirement.- Involved the project of web-based Debt Manager system to upgrade from version 3.5 to 7.0. Consolidate the requirement gathering, specification, and preparing test scripts for UAT testing. Act as coordinator managed the 4 tester under me during UAT testing.- Involved the project of new bank wide host system - SIBS Standardisation. Checking all conversion on reporting, preparing test scripts and validating data conversion in Debt Manager during conversion date.

- To monitor and collect from NPL and charged off accounts. - Achieve the set standards in collections and financial objectives of collections. - Complete dunning activities based on allocated queues/daily action reports.- Assist in structural, procedural and strategic management controls. - Attend to walk-in customers to discuss repayment / settlement proposals.- Prepare proposals and full settlement letters to customers and make recommendations to Management for approval of customers’ proposals.- Analyzes assigned accounts to determine and initiate appropriate collection action.- Ensure that follow-up actions, matters discussed and all relevant information on account are recorded in system for reference.- Undertake any other duties assigned by Management from time to time.

- To contact and obtain payment from delinquent customers. - Locate, negotiate and collect from pre-NPL accounts through telephone calls and other mode of communication.- Account Maintenance - All customer information must be current including entity names, key contacts with email, and postal address and phone details.- Preparation of legal documents and legal action follow-up responsibilities.