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RiskMinds International
18 - 21 November 2024
InterContinental O2London

Noel Gerald DCruz
Group Chief Risk Officer (GCRO) at OCBC Bank


Noel Gerald DCruz was appointed Group Chief Risk Officer (GCRO) on 1 January 2023. As GCRO, he has overall responsibility for the management of risk, including Credit, Market, Liquidity, Operational, and Environmental Social Governance (ESG) for OCBC’s businesses in Singapore, Malaysia and other overseas markets. In addition, he was concurrently appointed as Group Chief Information Security Officer responsible for Cyber & Information Security. He reports jointly to both Group CEO and the Board Risk Committee of OCBC Bank. Mr DCruz is a member of OCBC’s Management Executive Committee and sits on a number of other Senior Management Committees of the Bank.

Mr Dcruz joined the Bank in 1989 after a stint in the Monetary Authority of Singapore and rose through the ranks to head both the Group Risk Portfolio Management department as well as the Group Data Management Office. He has been closely involved in the re-organisation and reinforcement of the Bank’s credit risk management function with dedicated policy, underwriting, analytics, remediation and data units. Mr DCruz led the OCBC Group Basel program to develop internal ratings-based approaches for credit management and capital adequacy assessments and later the modelling approaches for Expected Credit Loss portfolio allowances. Since 2017 he also established the Group Data Management Office to drive implementation of a Group-wide data governance and management framework.

Mr DCruz holds a degree in Economics from the London School of Economics and Political Science.

Agenda Sessions

  • CRO panel discussion How are CROs and Chief Credit Officer’s actively mitigating risk in their credit portfolio management and influencing business strategy?