FVP Functional Business Analyst, Retail Credit, GRCTO

About UOB

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 branches and offices in 19 countries and territories in Asia Pacific, Europe and North America. In Asia, we operate through our head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and offices. Our history spans more than 80 years. Over this time, we have been guided by our values - Honorable, Enterprising, United and Committed. This means we always strive to do what is right, build for the future, work as one team and pursue long-term success. It is how we work, consistently, be it towards the company, our colleagues or our customers.

Job Description

Job Responsibilities

• Develop and implement strategic plans and initiatives in alignment with the bank's overall goals.
• Oversee and manage daily operations within the assigned department or business unit, ensuring efficiency and compliance.
• Lead, mentor, and develop a team of professionals, fostering a high-performance culture.
• Manage financial budgets, resources, and performance metrics to achieve optimal results.
• Identify and mitigate risks associated with business operations and regulatory requirements.
• Cultivate and maintain strong relationships with key internal and external stakeholders, including clients, partners, and regulators.
• Drive innovation and process improvements to enhance productivity and customer satisfaction.
• Represent the bank in internal and external forums as required.
• Prepare and present reports to senior management on performance, progress, and strategic recommendations.

Job Requirements

Domain Expertise

• 10+ years of experience in banking, specifically across retail lending products and credit cards
• Strong background in credit origination, collections, credit risk portfolio management, and credit bureau reporting
• 5+ years of deep expertise in retail credit, including:
  • Credit risk management (underwriting, credit decisioning, early warning, collections)
  • Credit portfolio monitoring (scorecard development, risk segmentation, limit setting)

Technical & Functional Skills

• Ability to translate high-level business needs into detailed functional and non-functional requirements
• Skilled in designing end-to-end credit management processes, customer onboarding journeys, and integrated risk portfolio workflows
• Strong understanding of credit systems, decision rules, scoring engines, and their integrations across enterprise systems
• Proven experience leading and delivering large-scale Retail Credit system implementation programs
• Strong leadership skills with the ability to lead and manage a small team effectively

• Minimum of 10-15 years of progressive experience in the banking or financial services industry, with at least 5 years in a leadership role.
• Proven track record of success in managing complex projects, teams, and achieving business targets.
• Strong understanding of financial products, markets, and regulatory environments.* Excellent leadership, communication, and interpersonal skills.
• Demonstrated strategic thinking, problem-solving, and decision-making abilities.
• Ability to work effectively in a fast-paced and dynamic environment.
• Bachelor's degree in Finance, Business Administration, Economics, or a related field; an MBA or relevant Master's degree is highly preferred.
• Relevant professional certifications (e.g., CFA, FRM) are a plus.

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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