Howard Dan Email & Phone Number

Singapore

Singapore, Singapore

• Setting the vision and strategic direction taking into consideration changes in stakeholders’ expectations, emerging trends and leading practices on the use of data analytics in internal auditing
• Formulating annual support plans for each audit department and Subsidiaries’ Internal Audit Division
• Scaling up the use of data analytics and machine learning to deepen the risk insights, particularly in the key audit focus areas, by leveraging on new technology
• Extending the use of robotics process automation to drive efficiency gains
• Building and maintaining connections with strategic partners (internal and external) to advance the division’s strategies.

Singapore, Singapore

• Assist the Group Chief Audit Executive in developing and driving the Group Audit strategies, and supporting in-country Chief Audit Executives in its successful execution
• Provide Stakeholder Management and Project Management for these key division-wide strategic initiatives across geographies (i.e. Singapore, Malaysia, Indonesia, China and Hong Kong) to build bench strength and.
• Drive the development of Group Audit policies, framework and methodologies to ensure robustness and alignment/adoption across all countries.

Singapore, Singapore

• Provide Credit Risk Reviews on the consumer lending portfolios across the Group, as well as the private banking and securities businesses. These portfolios include Credit Cards, Personal Loans, Mortgages, Auto Loans.

Singapore, Singapore

• Managing the portfolio quality of the consumer lending portfolios in Singapore (Mortgages, Auto loans, Credit Cards, Line of Credit, Personal loans etc.) by driving management decisions through portfolio analytics.

Singapore, Singapore

• Implemented new credit policies and workflows for FX Margin Trading, Insurance Premium Financing, Investment-Secured Loans, Trade Finance, Business Instalment Loans, Credit Cards, Unsecured facilities and Mortgage Loans
• Managed credit policies and stress testing for all retail and SME products in line with the group credit risk framework
• Managed the Operational Risk team in rolling-out new products, processes and systems, designing risk mitigations for operational issues, and ensuring all business units comply with the group operational risk framework
• Led Secured Credit Operations in executing margin calls and force-sells
• Managed the SME risk underwriting team with approval authority of SGD1.5 million
• Manage external vendor relationships to support system enhancements and new initiatives to improve efficiency and productivity of the Credit Operations unit.

Singapore, Singapore

• Implemented strategic and tactical programs to increase interest income (>S$10m p.a.)
• Developed customer-driven relationship pricing system to optimise profitability
• Facilitate sales through working with Relationship Managers to manage customer profitability and respond to customer requests for special pricing
• Developed a proprietary system to enhance the customer proposition and provide a competitive edge amongst the market players
• Launched customer programs to drive Mass Affluent & Mid-market segment strategies
• Restructured the bonds sales process to drive the business.

Singapore, Singapore

• UK training in Risk, Treasury, Corporate, Consumer banking and Relationship Mgmt.
• Developed product plans and executed automatic up-sell programs for Unsecured Lending
• Implemented online application process for Unsecured products
• Acquired business development experience with companies and institutions.

Singapore, Singapore

• Implemented credit scorecard, Credit Bureau and CPF processes
• Review credit policy, evaluate credit risk for loan approval and develop MIS reports
• Participated in re-engineering the credit process to derive productivity gains.

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