Credit Risk Specialist

About the role

Trust Bank Singapore is a digitally native bank built to create a more enjoyable customer experience. In this role, you will work in a fast-moving, collaborative setting where each day brings fresh problems to solve. As a Credit Risk Specialist, you will contribute to the bank’s future by helping design strong, data-led risk solutions for retail lending.

What you will do

The position focuses on shaping credit risk management across the full customer journey, covering origination, portfolio management, and collections for retail assets. The work centres on using analytics to improve lending outcomes and manage risk effectively.

• Study varied data sources to support the creation of risk strategies for the bank.
• Develop and refine credit and fraud risk approaches for lending products, making sure work is delivered to quality standards, on time, and in line with approved credit policy.
• Build and deploy data-driven risk controls such as cut-off rules, indebtedness assessments, loan amount decisions, and risk-based pricing, using both traditional and non-traditional data.
• Interpret and apply local regulatory requirements related to unsecured lending within credit risk strategy.
• Make sure origination, portfolio, and collections performance stays within target KPIs and risk appetite, while risk policies are applied consistently.
• Test strategies thoroughly and keep benchmarking them through advanced analytics.
• Work directly with teams across Product, Technology, Data Engineering, Analytics, and other stakeholders to support business objectives.
• Take ownership of documentation and the risk approval workflow for strategy design and development.

Technical focus

• Retail lending product and business knowledge.
• End-to-end credit risk management principles.
• Data handling and credit risk metrics.
• Analytics-led strategy design and formulation.
• Knowledge of local rules governing retail lending and credit risk.

What the bank is looking for

The ideal candidate brings deep credit risk knowledge, strong analytical capability, and the confidence to work independently with multiple stakeholders. The role also calls for practical experience in model-based decisioning and an interest in the evolving use of AI and machine learning in retail credit.

Additional information

Trust values an inclusive, open-minded workplace and encourages people to come as they are. The bank states that employment decisions are based on business needs, job requirements, and individual qualifications. It does not discriminate on the basis of age, gender, physical ability, race, religion or belief, family or parental status, sexuality, or other protected characteristics. Applicants of all ages are encouraged to apply.

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