唐 佩贤Vivian Tang

Experience

• 

  渣打银行

  Aug 2003 - Jan 2013

  • Formulation, implementation, and review of prudent credit policies and processes for SME Medium Enterprises ("ME") segment.• Regular, constant and timely review of Credit Approval Documents (CAD/CUWS) with a view to ensure that policy parameters are up-to-date in the current environment• Adapt the Country Credit Procedures Manual and/or in-country policies for local regulatory requirements.• Analyze portfolio performance with the view to leverage opportunities and recommend growth strategies to maximize revenue potential while controlling loan impairment.• Identify proactively early warnings to maintain losses within the acceptable thresholds• Effectively manage the assigned portfolio(s) to ensure that the performance is within the targeted benchmarks with a focused approach to balance the risk and reward equation.• Provide training and feedbacks to staff including but not limited to Product, Credit Underwriting, CRC, and Credit Operations.• Manage Consumer Banking loan impairment forecast models and control whole reporting process to ensure timely and accurate quantitive forecast.• Assist in building a comprehensive data platform and analytics pack for assigned product(s).• Assist in system enhancement requirements for application front-end system.• Assist in the implementation of new scorecards suite for SME Banking.• Conduct sample check review on approved and declined cases on a regular basis and advise recommendations to all the concerned with a viewpoint to minimize risk as well as further streamline the processes. Show less • Evaluate the degree of risk and reward for unsecured lending products and provide a balanced view to VS, Ops and Marketing.• Develop country credit policy that is adhering to SCB's group credit policy standards while customized for country credit environment and practices.• Works with internal resources (both at the group and local level) and outside vendors (e.g. credit bureau) to introduce and validate acquisition/early account management decision matrix or credit scorecards.• Analyzes Thru the Door mix of applications in conjunction with the financial performance of the products to report and optimize the credit policy that balances risk and rewards, and within the risk tolerance level set by group and country risk heads.• Work with underwriting team, fraud team and collection team to design and implement effective credit management process that is controls credit risk effectively, with high efficiency and scalable.• Design and report KPIs across all credit cycle in order to measure effectiveness of processes and policies of the products.• Control credit risk of WM products including annual review of product program, review product termsheets and product campaigns.• Manage Consumer Banking loan impairment forecast models and control whole reporting process to ensure timely and accurate quantitive forecast.• Lead and develop junior risk managers and to build bench strength of unsecured credit risk management function Show less • In charge of Wealth Management financial planning, strategy making and MIS framework set up• In charge of new business function, new product and new system launch on both financial part and system/process set up• In charge of core system migration of WM data warehouse setup and system field definition• Manage current year budget run rate and forecast according to actual performance• Keep consistent, timely and accurate quantitative performance measurement of the business• Establish and maintain the framework of the MIS reporting regime• Observe and respond appropriately to regulatory reporting requirements to ensure business compliance• Ensure data security and ingenuity within the scope of MIS execution• Build up Business Analytics team and train up the new staffs Show less • Assist in the implementation of Business Planning projects – 1 to 3 years, budgets and targets.• Track performance, development and implementation of business critical issues using existing MIS and data provided by functional and business support.• Work together with Distribution (branch, outbound, external) to achieve best return from the sales strategies.• Undertake specific business planning projects• Provide product and customer analysis to support business decision:• Improve MIS infrastructure and data execution process:• Monitor sales volume and revenue growth and prepare periodic MIS reports to senior management for evaluation and implementation of appropriate sales strategies.• Contribute to the improvement of end-to-end customer acquisition process for sales channel efficiency.• Manage various data source• Lead and train up intern and temp staffs team to achieve MIS tasks Show less

  • Head Policy & Processes, CB Credit, SCB

    May 2012 - Jan 2013

  • Risk Manager, Unsecured Lending, CB Credit

    Jan 2009 - May 2012

  • Manager, Business Planning & MIS, WM & CTB

    Jan 2008 - Dec 2008

  • Manager, Business Planning & MIS, Wealth Management, CB

    Jan 2006 - Dec 2007

  • Business Analyst, Wealth Management, CB

    Aug 2003 - Dec 2005
• 

  大华银行

  Jan 2013 - Jun 2015

  • Support Channels Management head to execute Group 5-year branch network strategy by opmize branch model with Business Units and International, i.e.:o set up branch Financial model (e.g. BE, cost)o set up branch operation productivity modelo find out target/focus catchment area aligning with business development• Review branch Franchise plan and strategy to ensure it remains fitting for country strategy and business growth• Set up new branches and lead branches’ renovation• Keep consistent, timely and accurate quantitative performance measurement of the business, e.g.set up Branch balance scorecard framework and Productivity review• Manage cost of budget, actual and projects Show less

  • VP, Process Reengineering, Channels

    Jan 2015 - Jun 2015

  • VP, Channels Management, Channels

    Jan 2013 - Jan 2015
• 

  汇丰

  Jun 2015 - now

  • Retail Risk Analytics Manager

    Oct 2023 - now

  • Retail Risk Analytics Manager

    Mar 2021 - now

  • Retail Credit Analystic Manager

    Feb 2017 - Mar 2021

  • Manager Liabilities

    Jun 2015 - Feb 2017