Job Description This position will lead the end-to-end customer credit life cycle and support the success of the International Card Services business – Singapore, Customer Management and Thailand, through innovative solutions that help enable profitable growth while maintaining robust credit performance. Responsibilities Own full accountability of end-to-end Customer Management credit risk management and Thailand for the consumer and commercial business Own risk outcomes and credit metrics Develop a thorough understanding of the expected and unexpected credit losses in the business and communicate them effectively to business leaders Focus on continuous improvement of credit risk management capabilities. Optimize integration and usage of capabilities and data such as consumer and commercial credit bureaus and financial statements. Continually explore and test new data sources. Ensure Risk Management capabilities are aligned with business strategy and strategic growth initiatives, inclu...