Singapore, Singapore
Lead a 4-member credit control team overseeing margin and collateral risk, force-selling governance, and exposure monitoring across the majority of the firm's Trading Representative book. Key responsibilities: - Team leadership — Mentor and develop the credit control team; ensure strict adherence to credit policies while supporting trading-volume growth. - Risk mitigation — Direct force-selling procedures and exposure governance on volatile margin positions. Navigated major market dislocations including Covid-19 lockdown volatility and the 2025 US tariff escalation, exercising independent judgment to minimise firm losses while maintaining regulatory compliance. - Process improvement — Spearheaded the FRA risk-system enhancement project with IT vendors, automating an average of 10+ risk and exposure reports annually and improving real-time monitoring capability. - Loss reduction — Strengthened bad-debt controls through enhanced escalation protocols and proactive dashboard monitoring. - Credit assessment — Hold authority to assess creditworthiness and approve trading limits for high-value margin and cash accounts, balancing firm protection with commercial growth. - Stakeholder management — Primary liaison between Trading Representatives, Finance, Operations, and Legal departments to resolve complex credit disputes and exposure escalations.
Senior member of the credit control team supporting risk operations across margin and cash accounts. Promoted internally to Assistant Manager in July 2022. Key responsibilities: - Team lead — Provided day-to-day guidance to junior credit officers; reviewed work quality and supported training. - Exposure monitoring — Conducted daily risk assessments on Singapore-listed equities, monitoring STI index movements and counter-specific risks to identify potential default triggers. - Reporting — Prepared and presented credit reports to senior management covering realised and unrealised contra losses and doubtful trade provisions. - Compliance — Reviewed and approved trading limits for clients and Trading Representatives in alignment with internal credit matrices. - Execution — Enforced force-selling protocols on overdue positions, negotiating settlement timelines where appropriate to maximise recovery.
Started career in the credit control team during my first stint at Lim & Tan Securities. Returned to the firm in May 2017 after a brief role at Duke-NUS. Key responsibilities: - Daily exposure monitoring on Singapore-listed equities and margin accounts. - Trading limit reviews and approvals in line with firm credit policies. - Force-selling execution on overdue positions, working with Trading Representatives on settlement and recovery. - Preparation of credit reports and contra loss tracking for management review.