Description

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

Role Overview

The role will lead the end-to-end strategy, portfolio management, and risk governance for lending solutions tailored to PFS clients. The role encompasses secured lending across securities-backed financing such as (Lombard/SBL), unit trusts, treasury products such as bonds and structured notes, insurance. Ensuring prudent risk management, regulatory compliance, and commercial growth.

You will partner closely with relationship Managers, Product Teams, Risk, Legal/Compliance, and Credit teams to deliver client-centric lending solutions aligned with the Bank's risk appetite and strategic priorities.

Key Responsibilities

1) Strategy & Growth

• Define and execute the Wealth Lending strategy across PFS (e.g., securities-backed lending such as portfolio financing, insurance premium financing)
• Build pipelines with RMs and market heads, focusing on wallet share growth, cross-sell (investments, FX, deposits), and sticky balance sheet development
• Lead product marketing, pricing frameworks, and client education on efficient leverage and risk.

2) Portfolio Management

• Own the P&L of the Wealth Lending portfolio: optimize yields, utilization, and risk-adjusted return on capital (RORWA)
• Monitor portfolio concentrations, counterparty exposures, collateral quality, margin utilization, and limit adherence (single-name, industry, geography, instrument)
• Oversee margining frameworks (initial/maintenance margins), eligibility lists, haircuts, and revaluation cadences for marketable securities
• Lead wealth lending command centre during market stress - driving client communications, senior management reporting and front-line guidance

3) Risk & Governance

• Adhere to robust credit underwriting standards, collateral eligibility policies, and haircut schedules across asset classes (equities, bonds, funds, structured notes).
• Ensure ongoing compliance with regulatory requirements, cross-border rules, booking policies, and the Bank's risk appetite.
• Lead periodic stress testing, scenario analysis (e.g., market drawdowns, liquidity shocks), and early warning indicators (EWI) design.
• Chair or actively participate in Credit Committees/Product Committees, presenting deals, exceptions, and portfolio themes.

4) Product Development & Innovation

• Develop and enhance Wealth Lending products: Lombard lines, purpose/non-purpose facilities, portfolio-backed lines, and tailored structured solutions (e.g., concentration add-ons, ring-fenced collateral).
• Digitize front-to-back processes (e.g., eligibility checks, margin calls, drawdown approvals), and implement real-time exposure monitoring and margin alerting.
• Partner with Credit, Risk & Technology and Operations to streamline KYC, documentation, and collateral management workflows.

5) Stakeholder & Client Engagement

• Partner with RMs, Investment Counsellors, and Product Specialists to structure client solutions (e.g., financing against diversified portfolios, monetization strategies, liquidity lines).
• Engage with senior leadership to align lending strategy with Group Wealth priorities and share market insights and risk posture updates.
• Support complex client cases, negotiations, and high-value approvals; provide training and guidance to front-office teams.

6) Leadership & Team Development

• Lead and mentor a team of credit and product professionals; foster a strong risk culture and client-first ethos.
• Drive performance management, capability building (credit structuring, margin analytics), and succession planning.

Qualifications & Experience

• 15+ years in Wealth Lending / Securities-Backed Lending / Private Banking Credit, including leadership of wealth portfolio management preferred.
• Expertise in marketable securities collateral, margining, haircuts, and portfolio risk across equities, fixed income, funds, and structured products.
• Strong understanding of cross-border regulatory frameworks, and booking governance.
• Proven track record in portfolio growth, credit risk control, and exception management.
• Bachelor's degree in Finance, Economics, or related field; MBA/CFA/FRM preferred.

Key Competencies

• Strategic portfolio leadership and commercial acumen
• Deep credit structuring capability
• Advanced risk management (stress testing, EWI, concentration risk)
• Stakeholder influence and executive communication
• Data-driven decision-making; comfort with analytics and dashboards for decision-making
• People leadership and talent development
• Ability to drive digital innovation in lending processes and improve client experience

Additional Requirements

Develop, Engage, Execute, Strategise

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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