184 Loan Management jobs in Singapore

• Great teamwork, politic-free and friendly work environment for growth
• Young and creative team
• Encourages work-life balance
• Competitive remuneration package
• Positive growth of business portfolio

Job Description (Role & Responsibilities)

• Monitor credit accounts routinely, assess delinquent accounts, and recommend appropriate follow-up actions.
• Conduct regular monitoring of joint (designated) accounts to detect and investigate abnormal client activity.
• Review the Trade Bureau Business Watch Hit Report and promptly update the management on any flagged or alert accounts.
• Review and update the Special Attention Accounts list on a weekly basis, ensuring timely escalation of any concerns.
• Analyze the ageing report regularly and provide updates to management, highlighting delinquency trends and risk concentrations.
• Liaise with customers or paymasters actively, to verify validity of the transactions and ensure that payment will be made in due time, into the correct bank account

Who are we looking for?

Requirements

• Minimum 2 years of working experiences.
• Experience in Credit Companies is an added advantage.
• Knowledge to analyze Company Audit report is an added advantage.
• Strong analytical and quantitative skills with the ability to analyze financial data, assess risk factors, and identify potential vulnerabilities.
• Good understanding of credit risk principles, methodologies, and frameworks.
• Proficient in Microsoft Word, Excel, PowerPoint, and Outlook.
• Hard-working and diligent in carrying out responsibilities with attention to detail
• A good team player, who is also capable of working independently with minimal supervision.

Where are we?

• Ideal Location, located within The Plaza, adjacent to the prestigious Park Royal Hotel

• Near to Bugis MRT Station (5 mins walk)

• Surrounded by plenty choice of food, shopping and public transport eg Arab street

• No CBD charges-Just outside CBD restricted area.

ONLY SHORTLISTED CANDIDATES WILL BE NOTIFIED

Additional Information

Career Level

First-line management

Qualification

Higher Secondary/Pre-U/'A' Level, Diploma, Advanced/Higher/Graduate Diploma, Bachelor's Degree, Post Graduate Diploma, Professional Degree"

Years of Experience

3 years in finance industry

Job Type

Full-Time , 5-day work week

Company Overview

Being a part of a business that's growing rapidly can be an exhilarating experience

At Planworth, we offer customized working capital solutions for organization sizes ranging from small and medium-sized enterprises (SMEs) to large-sized companies eg List Co. Addressing our clients' financial goals with tailored financial working capital solutions at every stage of their business journey to aid them in achieving their business goals and objectives.

Through our innovative financing solutions and proprietary SME-friendly credit scoring system, we are able to address the evolving needs of SMEs/larger and even boost growth and evolvement of large companies alike. Our team of experts provides valuable innovative and customized financial advice that are best catered to meet our client's current standing and bring them towards their business goals.

At Planworth, we're dedicated to the growth of companies in aiding bring them closer towards their goals, and milestones, and hence building a stronger economy in the process.

We always endeavour to do what is right consistently. With the strong aspiration, we work as one team to build a strong future and pursue long-term success not only for our clients but also for our family at Planworth. We pride ourselves for being an exceptional company in many ways, which has brought upon smiles and satisfaction to our clients and stakeholders; our highly rated feedback from clients on Google is a testament to our exceptional service and solutions provided.

With our focus on offering a customized range of working capital solutions such as Contract/Project Financing, Pre and Post Factoring, and supply chain financing, we are well-positioned to cater to a wide range of organizations from SMEs to larger companies.

With our speciality in providing a customizable range of working capital solutions, along with our core values of Passion, Respect, Integrity, and Accountability, we are on track to achieving our goals of becoming one of the most preferred and competitive companies in the working capital solutions industry in the region.

Planworth's commitment to doing what is right and our focus on innovation and SME-friendly solutions are all built on a foundation of trust.

Why One Should Join Us

Planworth is an organization that not only values but also commits to nurturing our talents. With our existing team of leaders and staff that has powered Planworth's growth year on year, we work with you to unleash your talent to power your capability and live up to your full potential. We are merit based with digital tools and systems in place to guide your career development and achieve your goals. We provide you with the avenue and opportunity to explore into your learning potential and career goals through our well-structured career development and training programs. We invest greatly in R&D, ensuring that we are in-line with the ever-evolving digital environment which provides you with the right tools to be in tandem with the ever-evolving digital environment to empower you to becoming valuable stars of tomorrow in the industry.

Joining Planworth means being part of a team of leaders and staff who are dedicated to achieving excellence and success. Come and be part of Planworth's culture of excellence

"Helping clients achieve their financial goals is our greatest honour".

Who We Are

Planworth Global Factoring (Singapore) Pte Ltd is a qualified factoring company in Singapore that is accredited by the Singapore Government on the portal to provide working capital financing needs to vendors of the Singapore Government.

Planworth Global Factoring (Singapore) Pte Ltd was awarded the SME 500 award for year 2021 as it recognized Planworth's ability to display resilience, business continuity, operational and staff excellence to transform and support the aspiration of its clients despite the COVID-19 pandemic being a challenge for businesses locally and globally. In the subsequent years Planworth S'pore went on to achieve consecutive awards for SME500 2022 and SME500 2023 award as an attestation to its business standards, qualities, performance, and prestige commercial status .Its founder, Dato' Kuek, has also been awarded the Entrepreneur 100 Award 2022 as well as the "Best Performing Entrepreneur of the year for Financial Services" Award in recognition of his exceptional business acumen and leadership as well as his impact on the industry.

Planworth S'pore is associated with the Grand Columbia Group (The Group), which was established in 1992 with headquarter at Kuala Lumpur, Malaysia. The Group has diversified business interest in Asia Pacific and is fast expanding through organic growth and acquisitions.

The Group is a regional company with multi-million USD asset investments in Malaysia, Singapore, Papua New Guinea (PNG) and China. Its portfolio includes Finance and Banking, Trade and Supply Chain Finance, Property Investment & Development, Manufacturing, Shipping, Telecommunications and Insurance. The Group website is at 1998, The Group has successfully acquired MBF Finance (PNG) Limited, a licensed financial institution under the supervision of the Bank of Papua New Guinea. MBF Finance (PNG) Limited was previously owned by MBF Finance Berhad in Malaysia, which at that time was a subsidiary of one of the Asia largest licensed Deposit taking financial institution. Since the acquisition, to reflect the vision of the new shareholder, it became Finance Corporation Limited or FinCorp ( a leading licensed financial institution in Papua New Guinea.

Planworth headquarters - Planworth Malaysia Sdn Bhd, located in Kuala Lumpur, Malaysia, is registered with Ministry of Finance (MOF) Malaysia to finance Government, GLC and Private Sectors contractors, vendors, and suppliers. Planworth M'sia is a member of Factors Chain International (FCI) that represents the international factoring industry. The other bank member is RHB. Planworth M'sia has won many awards and is No 1 and the largest Non-Bank Factoring in M'sia .

Planworth Malaysia's accomplishments are being recognised and reaffirmed by government agencies as a Recipient of the Smart Automation Grant from MDEC, Recipient of Market Development Grant from MATRADE, and its collaboration with the Centre for Entrepreneur Development and Research (CEDAR), SME Bank under the SCOREXCESS initiative, supporting of government in developing financial ecosystem for SMEs/Entrepreneur development. In the competitive commercial world, Planworth Malaysia was awarded the SME100 Award 2021 as the winner of fast-moving company despite of the challenges imposed during the COVID pandemic. Its dependability and financial strength are also reaffirmed by CTOS Credit Excellence Award 2021 .This excellent accomplishment continues into year 2022 - as a winner of Best SME in financial services Industries and Best Top Entrepreneur in Finance Industries from Malaysian Entrepreneur Foundation. All these awards achieved over the years are meriting our glowing reputation of being "A class Above" all.

WITH PLANWORTH, YOUR DREAMS BECOME POSSIBLE

Job Responsibilities:

• Coverage of general corporates as well as local and foreign large conglomerates.
• Perform independent credit analysis and evaluation, including financial analysis and projections on new and existing banking facilities/ loans tomake recommendations for approval.
• Identify key risks and mitigating factors in the credit evaluationandpresent cases to the Credit Committee for deliberation and approval.
• Conduct customer visits together with Front office to understandthebusiness operations
• Plan and organize to ensure credit reviews are completed in timelymanner.
• Review credit documentation to ensure adherence to approved Termsand Conditions.

Requirements:

• At least 3 years credit experience in a major bank with exposure to various industries and loan products including trade finance.
• University degree.

Interested candidates please email resume in MS Word format to

Please state your last drawn and expected package, relevant skill sets and the position you are applying for.

Resumes collected will be kept in strict confidence and used for recruitment purposes only.

Main Responsibilities

• Prepare credit proposals
• Provide administrative credit support
• Prepare Weekly and Monthly reports

Detailed Tasks

• Apt in analyzing and distilling financial information succinctly in a credit proposal
• Accurate spreading of Borrowers' & for Group's financial statements
• Collaborate with the Credit & Marketing officers to identify credit, operational and business risks and recommend solutions to address or mitigate these risks
• Able to write a credit proposal concisely and cogently
• Able to submit written work within stipulated deadlines
• Generate weekly and monthly credit reports for monitoring purposes
• Ensure credit applications comply with Company's credit policies
• Identify early warning signs or credit weaknesses to minimize/circumvent loan loss
• Has an incisive understanding of the direct and strong connection between business and credit environments
• Ad-hoc functions as assigned by the direct report, from time to time

Requirements

The incumbent should possess at least a bachelor's degree in Business Administration, Finance or Accountancy with minimum four years of experience in credit assessment function, preferably for the SME business segment.

The incumbent should be skilled in effective business writing, professionally inquisitive and has a keen analytical intellect. He/She must be precise and thorough with facts and figures.

Interested candidate who meets the essential prerequisites, please apply with your detailed resume, stating current and expected salary and contact telephone number.

We regret that only shortlisted candidates will be notified.

Data Protection Notice – Your "personal data" (as ascribed by the Personal Data Protection Act 2012 of Singapore as amended, revised or re-enacted thereto from time to time (PDPA)) is collected and may be used and/or disclosed for the purpose of determining your suitability for a position with us. These personal data may be disclosed to entities or parties to whom disclosure of personal data is reasonably necessary for the stated purpose, including to verify or obtain additional information from education institutions and current/previous employers. The personal data of unsuccessful applicant may be retained to be considered for future job opportunities. If you provide us with any personal data relating to a third party (e.g. information of your dependent, spouse, children and/or parents), by submitting such information to us, you represent to us that you have obtained the consent of that third party to you providing us with their personal data (Third Party Personal Data) for the purpose stated in this Notice (Third Party Consent). We only collect and use personal data which are relevant. We seek your clear and unambiguous consent to the said collection, use and/or disclosure, and also, your confirmation regarding the Third Party Consent.

Credit Analyst

This is a perm hire role for one of the Financial Institution

Salary Range: $3,000-$6,000

Work Location: CBD Area

Job Description

Monitor credit accounts routinely, assess delinquent accounts, and recommend appropriate follow-up actions.

Conduct regular monitoring of joint (designated) accounts to detect and investigate abnormal client activity.

Review the Trade Bureau Business Watch Hit Report and promptly update the management on any flagged or alert accounts.

Review and update the Special Attention Accounts list on a weekly basis, ensuring timely escalation of any concerns.

Analyze the ageing report regularly and provide updates to management, highlighting delinquency trends and risk concentrations.

Liaise with customers or paymasters actively, to verify validity of the transactions and ensure that payment will be made in due time, into the correct bank account

Who are we looking for?

Requirements

Minimum 2 years of working experiences.

Experience in Credit Companies is an added advantage.

Knowledge to analyze Company Audit report is an added advantage.

Strong analytical and quantitative skills with the ability to analyze financial data, assess risk factors, and identify potential vulnerabilities.

Good understanding of credit risk principles, methodologies, and frameworks.

Proficient in Microsoft Word, Excel, PowerPoint, and Outlook.

Hard-working and diligent in carrying out responsibilities with attention to detail

A good team player, who is also capable of working independently with minimal supervision.

We regret to inform you that only shortlisted candidates will be notified.

By submitting your personal data and/or resume, you will be deemed to have agreed and consented to us collecting, using, retaining, and disclosing your personal information to prospective employers for their consideration.

Joselito Peciller | EA Reg No: R25126580

KEY RESPONSIBILITIES:

• Conduct through analysis of financial statements of new and existing counterparties for creditworthiness evaluation.
• Prepare detailed profile reports covering company background, operations, financial status, performance, and market reputation.
• Provide recommendation based on the analysis for credit decision-making.
• Continuously monitor credit exposure and identify early warning signs of potential defaults or breaches.
• Prepare regular reports and presentations for management, highlighting key risks, trends, and actions required.
• Develop and prepare spreadsheets and models to support analysis of new and existing credit applications.
• Assist in the development and implementation of risk mitigation strategies to address identified risks, ensuring that the company operates within its established risk tolerance.

QUALIFICATIONS:

• Degree in Finance, Accounting, Business, Economics, or related field.
• 3-5 years of experience in credit analysis, preferably within the oil and gas, commodities, or financial services sectors.
• Strong understanding of financial statements, credit risk analysis, and financial modeling techniques.
• Knowledge of trade finance and hedging structures within the commodity trading industry is an advantage.
• Excellent communication and interpersonal skills, with the ability to interact effectively with internal teams and external stakeholders.
• A proactive and results-driven mindset with the ability to solve complex problems and make informed decisions.

• Perform credit analysis on new and existing customer accounts, establishing credit limits per company policies.
• Forecast expected payment timings and proactively communicate with customers to confirm payments, resolve disputes, and meet collection targets.
• Review and release orders placed on credit hold for near-term shipments.
• Adjust credit lines as needed to accommodate backlog changes based on customer payment history.
• Collaborate with Sales Operations, Logistics, Legal, and Accounting teams to ensure smooth credit and collection processes.
• Monitor and report accounts receivable balances over 30 days past due.
• Work with the AR team to ensure accurate application of incoming payments.
• Assist in month-end closing by reviewing AR balances and identifying potential bad debt reserves.
• Conduct internal control testing and support AR audit confirmations.
• Participate in projects and system improvements related to credit and AR management.

Interested applicants may email resume to

Chooi Kelly (CEI Registration No: R25136207)

Recruit Express Pte Ltd (EA: 99C4599)

Main Responsibilities
Prepare credit proposals
Provide administrative credit support
Prepare Weekly and Monthly reports
Detailed Tasks
Apt in analyzing and distilling financial information succinctly in a credit proposal
Accurate spreading of Borrowers’ & for Group’s financial statements
Collaborate with the Credit & Marketing officers to identify credit, operational and business risks and recommend solutions to address or mitigate these risks
Able to write a credit proposal concisely and cogently
Able to submit written work within stipulated deadlines
Generate weekly and monthly credit reports for monitoring purposes
Ensure credit applications comply with Company's credit policies
Identify early warning signs or credit weaknesses to minimize/circumvent loan loss
Has an incisive understanding of the direct and strong connection between business and credit environments
Ad-hoc functions as assigned by the direct report, from time to time
Requirements
The incumbent should possess at least a bachelor degree in Business Administration, Finance or Accountancy with minimum four years of experience in credit assessment function, preferably for the SME business segment.
The incumbent should be skilled in effective business writing, professionally inquisitive and has a keen analytical intellect. He/She must be precise and thorough with facts and figures.
The corporate rank and compensation will be commensurate with the candidate’s experience and qualifications
Interested candidate who meets the essential prerequisites, please apply with your detailed resume, stating current and expected salary and contact telephone number.
We regret that only shortlisted candidates will be notified.
#J-18808-Ljbffr

• Great teamwork, politic-free and friendly work environment for growth
• Young and creative team
• Encourages work-life balance
• Competitive remuneration package
• Positive growth of business portfolio

Job Description (Role & Responsibilities)

• Monitor credit accounts routinely, assess delinquent accounts, and recommend appropriate follow-up actions.
• Conduct regular monitoring of joint (designated) accounts to detect and investigate abnormal client activity.
• Review the Trade Bureau Business Watch Hit Report and promptly update the management on any flagged or alert accounts.
• Review and update the Special Attention Accounts list on a weekly basis, ensuring timely escalation of any concerns.
• Analyze the ageing report regularly and provide updates to management, highlighting delinquency trends and risk concentrations.
• Liaise with customers or paymasters actively, to verify validity of the transactions and ensure that payment will be made in due time, into the correct bank account

Who are we looking for?

Requirements

• Minimum 2 years of working experiences.
• Experience in Credit Companies is an added advantage.
• Knowledge to analyze Company Audit report is an added advantage.
• Strong analytical and quantitative skills with the ability to analyze financial data, assess risk factors, and identify potential vulnerabilities.
• Good understanding of credit risk principles, methodologies, and frameworks.
• Proficient in Microsoft Word, Excel, PowerPoint, and Outlook.
• Hard-working and diligent in carrying out responsibilities with attention to detail
• A good team player, who is also capable of working independently with minimal supervision.

Where are we?
• Ideal Location, located within The Plaza, adjacent to the prestigious Park Royal Hotel
• Near to Bugis MRT Station (5 mins walk)
• Surrounded by plenty choice of food, shopping and public transport eg Arab street
• No CBD charges-Just outside CBD restricted area.

ONLY SHORTLISTED CANDIDATES WILL BE NOTIFIED

Additional Information

Career Level

First-line management

Qualification

Higher Secondary/Pre-U/’A’ Level, Diploma, Advanced/Higher/Graduate Diploma, Bachelor’s Degree, Post Graduate Diploma, Professional Degree”

Years of Experience

3 years in finance industry

Job Type

Full-Time , 5-day work week

Company Overview

Being a part of a business that's growing rapidly can be an exhilarating experience!
At Planworth, we offer customized working capital solutions for organization sizes ranging from small and medium-sized enterprises (SMEs) to large-sized companies eg List Co. Addressing our clients’ financial goals with tailored financial working capital solutions at every stage of their business journey to aid them in achieving their business goals and objectives.

Through our innovative financing solutions and proprietary SME-friendly credit scoring system, we are able to address the evolving needs of SMEs/larger and even boost growth and evolvement of large companies alike. Our team of experts provides valuable innovative and customized financial advice that are best catered to meet our client’s current standing and bring them towards their business goals.

At Planworth, we're dedicated to the growth of companies in aiding bring them closer towards their goals, and milestones, and hence building a stronger economy in the process.

We always endeavour to do what is right consistently. With the strong aspiration, we work as one team to build a strong future and pursue long-term success not only for our clients but also for our family at Planworth. We pride ourselves for being an exceptional company in many ways, which has brought upon smiles and satisfaction to our clients and stakeholders; our highly rated feedback from clients on Google is a testament to our exceptional service and solutions provided.

With our focus on offering a customized range of working capital solutions such as Contract/Project Financing, Pre and Post Factoring, and supply chain financing, we are well-positioned to cater to a wide range of organizations from SMEs to larger companies.

With our speciality in providing a customizable range of working capital solutions, along with our core values of Passion, Respect, Integrity, and Accountability, we are on track to achieving our goals of becoming one of the most preferred and competitive companies in the working capital solutions industry in the region.
Planworth's commitment to doing what is right and our focus on innovation and SME-friendly solutions are all built on a foundation of trust.

Why One Should Join Us
Planworth is an organization that not only values but also commits to nurturing our talents. With our existing team of leaders and staff that has powered Planworth’s growth year on year, we work with you to unleash your talent to power your capability and live up to your full potential. We are merit based with digital tools and systems in place to guide your career development and achieve your goals. We provide you with the avenue and opportunity to explore into your learning potential and career goals through our well-structured career development and training programs. We invest greatly in R&D, ensuring that we are in-line with the ever-evolving digital environment which provides you with the right tools to be in tandem with the ever-evolving digital environment to empower you to becoming valuable stars of tomorrow in the industry.

Joining Planworth means being part of a team of leaders and staff who are dedicated to achieving excellence and success. Come and be part of Planworth’s culture of excellence!

“Helping clients achieve their financial goals is our greatest honour”.

Who We Are
Planworth Global Factoring (Singapore) Pte Ltd is a qualified factoring company in Singapore that is accredited by the Singapore Government on the portal to provide working capital financing needs to vendors of the Singapore Government.

Planworth Global Factoring (Singapore) Pte Ltd was awarded the SME 500 award for year 2021 as it recognized Planworth’s ability to display resilience, business continuity, operational and staff excellence to transform and support the aspiration of its clients despite the COVID-19 pandemic being a challenge for businesses locally and globally. In the subsequent years Planworth S’pore went on to achieve consecutive awards for SME500 2022 and SME500 2023 award as an attestation to its business standards, qualities, performance, and prestige commercial status .Its founder, Dato' Kuek, has also been awarded the Entrepreneur 100 Award 2022 as well as the “Best Performing Entrepreneur of the year for Financial Services” Award in recognition of his exceptional business acumen and leadership as well as his impact on the industry.

Planworth S’pore is associated with the Grand Columbia Group (The Group), which was established in 1992 with headquarter at Kuala Lumpur, Malaysia. The Group has diversified business interest in Asia Pacific and is fast expanding through organic growth and acquisitions.

The Group is a regional company with multi-million USD asset investments in Malaysia, Singapore, Papua New Guinea (PNG) and China. Its portfolio includes Finance and Banking, Trade and Supply Chain Finance, Property Investment & Development, Manufacturing, Shipping, Telecommunications and Insurance. The Group website is at
In 1998, The Group has successfully acquired MBF Finance (PNG) Limited, a licensed financial institution under the supervision of the Bank of Papua New Guinea. MBF Finance (PNG) Limited was previously owned by MBF Finance Berhad in Malaysia, which at that time was a subsidiary of one of the Asia largest licensed Deposit taking financial institution. Since the acquisition, to reflect the vision of the new shareholder, it became Finance Corporation Limited or FinCorp ( a leading licensed financial institution in Papua New Guinea.

Planworth headquarters - Planworth Malaysia Sdn Bhd, located in Kuala Lumpur, Malaysia, is registered with Ministry of Finance (MOF) Malaysia to finance Government, GLC and Private Sectors contractors, vendors, and suppliers. Planworth M’sia is a member of Factors Chain International (FCI) that represents the international factoring industry. The other bank member is RHB. Planworth M’sia has won many awards and is No 1 and the largest Non-Bank Factoring in M’sia .

Planworth Malaysia’s accomplishments are being recognised and reaffirmed by government agencies as a Recipient of the Smart Automation Grant from MDEC, Recipient of Market Development Grant from MATRADE, and its collaboration with the Centre for Entrepreneur Development and Research (CEDAR), SME Bank under the SCOREXCESS initiative, supporting of government in developing financial ecosystem for SMEs/Entrepreneur development. In the competitive commercial world, Planworth Malaysia was awarded the SME100 Award 2021 as the winner of fast-moving company despite of the challenges imposed during the COVID pandemic. Its dependability and financial strength are also reaffirmed by CTOS Credit Excellence Award 2021 .This excellent accomplishment continues into year 2022 - as a winner of Best SME in financial services Industries and Best Top Entrepreneur in Finance Industries from Malaysian Entrepreneur Foundation. All these awards achieved over the years are meriting our glowing reputation of being "A class Above" all.

WITH PLANWORTH, YOUR DREAMS BECOME POSSIBLE!

Main Responsibilities

• Prepare credit proposals
• Provide administrative credit support
• Prepare Weekly and Monthly reports

Detailed Tasks

• Apt in analyzing and distilling financial information succinctly in a credit proposal
• Accurate spreading of Borrowers’ & for Group’s financial statements
• Collaborate with the Credit & Marketing officers to identify credit, operational and business risks and recommend solutions to address or mitigate these risks
• Able to write a credit proposal concisely and cogently
• Able to submit written work within stipulated deadlines
• Generate weekly and monthly credit reports for monitoring purposes
• Ensure credit applications comply with Company's credit policies
• Identify early warning signs or credit weaknesses to minimize/circumvent loan loss
• Has an incisive understanding of the direct and strong connection between business and credit environments
• Ad-hoc functions as assigned by the direct report, from time to time

Requirements

The incumbent should possess at least a bachelor’s degree in Business Administration, Finance or Accountancy with minimum four years of experience in credit assessment function, preferably for the SME business segment.

The incumbent should be skilled in effective business writing, professionally inquisitive and has a keen analytical intellect. He/She must be precise and thorough with facts and figures.

Interested candidate who meets the essential prerequisites, please apply with your detailed resume, stating current and expected salary and contact telephone number.

We regret that only shortlisted candidates will be notified.

Data Protection Notice – Your “personal data” (as ascribed by the Personal Data Protection Act 2012 of Singapore as amended, revised or re-enacted thereto from time to time (PDPA)) is collected and may be used and/or disclosed for the purpose of determining your suitability for a position with us. These personal data may be disclosed to entities or parties to whom disclosure of personal data is reasonably necessary for the stated purpose, including to verify or obtain additional information from education institutions and current/previous employers. The personal data of unsuccessful applicant may be retained to be considered for future job opportunities. If you provide us with any personal data relating to a third party (e.g. information of your dependent, spouse, children and/or parents), by submitting such information to us, you represent to us that you have obtained the consent of that third party to you providing us with their personal data (Third Party Personal Data ) for the purpose stated in this Notice (Third Party Consent ). We only collect and use personal data which are relevant. We seek your clear and unambiguous consent to the said collection, use and/or disclosure, and also, your confirmation regarding the Third Party Consent.