Editorial summary

The company is seeking a VP of PFS Business Finance specializing in Unsecured Lending and Expense Analysis within Group Finance. The role involves providing financial analysis, planning, forecasting, and performance reporting to support management decision-making for unsecured loan products. Candidates should have prior experience in unsecured loans and cards, with strong skills in financial reporting and analysis. Compensation details are not specified.

This summary is AI-generated and may contain inaccuracies. Please refer to the full job description below.

Job description

[This job id 12623 first appeared in Job-Q.com on 05 Jun 2026]

Job Description

Role Overview

We are seeking an experienced Finance professional to act as the finance partner for the Unsecured Lending business. This role supports management decision-making through financial analysis, planning, forecasting, and performance reporting. Prior exposure to Unsecured Loans and Cards is preferred but not required

Key Responsibilities

Financial Reporting & Analysis

• Deliver timely and insightful reporting on financial performance and key income drivers for Unsecured Loan products.
• Analyse actual results and enhance or maintain financial models for income forecasting and budgeting.
• Provide decision support to stakeholders across Credit Risk, Product, Sales Channels, and related functions.

Expense Management & Control

• Act as the expense analyst for the Unsecured Loan business, covering both product-level and segment-level views.
• Correlate expense drivers with actual costs and provide insights on variances.
• Review and guide CPP Administration team (non-finance trained) on monthly expense accruals and accounting at GL account and cost centre levels

Forecasting, Budgeting & Planning

• Support the GPFS Business Finance team on monthly expense forecasts and annual budgeting for the Unsecured Loan business unit
• Proactively follow up with cross-functional stakeholders to resolve forecasting and budgeting issues.

Stress Testing & Capital Planning

• Participate in the annual ICAAP exercise via review macro-economic variables (MEVs) and assess financial impact under stressed scenarios versus BAU for Unsecured Loan products

Product Performance & Governance

• Lead the bi-annual Unsecured Product Renewal exercise.
• Partner closely with Product teams to project two-year P&Ls at product level, derive forecast credit risk metrics and risk thresholds for management approval

Financial Systems & MIS Governance

• Maintain MIS mappings for Unsecured Loan products within financial systems.
• Ensure correct product classification and revenue recognition in line with Group Finance Accounting Policies and Chart of Accounts usage

Balance Sheet & Regulatory Reporting

• Support GPFS quarterly balance sheet reviews, including consolidated product-level views and granular drill-downs for trend and risk assessment
• Act as the checker for all Unsecured Lending MAS submissions (monthly, quarterly, semi-annual, and annual) in collaboration with Regulatory analyst.

Ad-hoc & Management Support

• Provide ad-hoc product and financial analysis to support the Unsecured Business Head and PFS Finance Leadership.

Requirements

Education & Experience

• Degree in Banking, Finance, Business Administration, or equivalent.
• Minimum 6 years of experience in financial modelling and business analysis.

Technical & Analytical Skills

• Strong proficiency in financial and management reporting tools.
• Advanced Excel skills (including macros) highly preferred.
• Strong PowerPoint and data extraction/database skills.

Domain Knowledge

• Solid understanding of key business drivers and competitive trends in retail banking Unsecured Lending is an advantage.

Personal Attributes

• Self-driven, proactive, and accountable.
• Strong team player with a hands-on mindset.
• Able to navigate and analyse multiple data sources and formats effectively.
• Strong interpersonal and communication skills, with the ability to engage stakeholders at all levels.

Additional Requirements

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