Working HourRegular HoursMonday - FridayBusiness AreaRetail BankingLocationMalaysia - Kuala LumpurDescription**Primary Objective**:- Act as the Point of Contact to liaise between Group Retail Credit Risk(GRCR) and Business Units- Focus on upskilling of Chapter Members on domain knowledge of credit policies and analytics for the purposes of policy amendments- Overall purpose to ensure robust credit assessment in alignment with bank's business strategies and approved risk appetite.- Manage policy/business guideline, analytics, credit evaluation and approval functions and provide guidance/directions on the key initiatives of the department to achieve targeted level of portfolio quality and profitability to be in line with overall business direction and risk management framework.**Key Responsibilities**:- Manage overall Chapter priorities to ensure objectives set are met- Align with SP Lead on the objectives of the Chapter and remove any misalignment- Disseminate purpose, mission and direction for Chapter and ensure that all Chapter Members are aligned to the purpose- To manage and review all credit policies under Group Retail Banking from Retail Credit's perspective.- Pro-actively identify problem areas and opportunities within Retail portfolio with processes, policy and market/industry analysis to enhance profitability of the bank to propose to GRCR to develop, review and execute credit risk policy / guideline for Retail banking products to ensure robust credit assessment in alignment with bank's business strategies and approved risk appetite.- Perform credit assessment/impact assessment to ensure that amendment made suits the market trend.- Ensure credit evaluation, credit process and credit system are comply with the credit policy guideline, compliance and regulatory requirements- Accountable to oversight and review all relevant credit policies guidelines / manuals from Retail Credit Service Partner's perspective inclusive Delegated Lending Authority matrices.- Pro-actively identify problem areas and opportunities within retail portfolio with processes, policy and market/industry analysis to enhance profitability of the bank to propose to GRCR to develop, review and execute credit risk policy / guideline for Retail banking products to ensure robust credit assessment in alignment with bank's business strategies and approved risk appetite.- Presenting policy/analytical observations and influencing business decision-makers to propose policy recommendations to GRCR.- Ensure credit policies/operational manuals/functional manuals consistent with compliance and regulatory requirements.- Involve and coordinate in the credit policy guideline review within the division or with stakeholders- Closely monitor retail credit acquisition quality and process to manage/improve credit quality at the point of acquisition.- Ensure timely policy sharing with Retail Credit Service Partner team and stakeholders in ensuring clear understanding for effective and timely implementation.- Ensure credit evaluation, credit process and credit system are comply with the credit policy guideline, compliance and regulatory requirements.- Provide policy & credit enablers and support to frontline business unit.- Perform annual review of Retail Credit Service Partner functional/operational manual.- Actively participate in and manage credit related projects, if any.- Execute management action plans and addressing areas of improvement for BNM, Internal and External Audit findings. To comply with the Bank's credit policy and guidelines, Statutory Guidelines and standard procedure/processes.- Efficient service deliverance and guidance to Retail Credit Service Partner team and stakeholders.- Handling of BNM/Internal/ External Audits' requests.- Perform duties and work assigned by Circle Lead, Credit Evaluation and Retail Credit Service Partner Lead as and when required.- Oversight of Retail Credit architecture for all Operational Risk and Business Continuity Management**Requirements**:**Requirements**:Bachelor Degree - Banking, Finance, Economics, Accounting or Business..- Certified Credit Professional (CCP) OR- Professional Credit Certification (PCC) OR- Credit Skills Assessment (CSA) OR- Any equivalent certification.- **Credit related experience** - Minimum 5 years or more functional credit experience either in credit policy/credit processing/credit risk analysis.- **Core credit experience** - Minimum 5 years or more managing the retail banking portfolio either in consumer or other relevant business units' credit portfolio.- Sets clear and realistic goals, focused on highest value activities- Motivates and inspires others - draws out the best in people- Strong team player; able to work with other leaders- Strong problem solving skill to support issue resolution- Adept at solving problems in a logical and fact-driven manner- Highly adaptable and able to respond to change fast-
