Job summary The incumbent will be responsible for overseeing and managing the credit risk management function of the organization. This role includes developing and implementing credit risk policies, procedures, and strategies to mitigate potential risks, ensuring the quality of the credit portfolio, and supporting the company's growth objectives while maintaining a robust risk management framework.
Duties and Responsibilities: Develop and implement the overall credit risk strategy, in alignment with the organization's objectives and risk appetite.Enhance and review credit risk policies, procedures, and guidelines to ensure consistent and effective risk management practices.Review the recommendations made by Business Unit and Credit Manager/ Credit Analysts, oversee the credit approval process and ensuring adherence to credit policies and procedures.Oversee the processes for ongoing monitoring of the credit risk profile of all portfolio, including monitoring client payment behaviors, industry trends, and economic indicators.Identify, develop and implement risk mitigation strategies to minimize credit losses, including collateral requirements, credit insurance, and risk-based pricing.Analyze key performance metrics related to credit risk, such as portfolio quality, delinquency rates, and loss ratios, and provide regular reports and insights to senior management.Stay abreast of industry best practices, emerging trends, and technological advancements in credit risk management, identifying opportunities for innovation and efficiency. Job Requirements Bachelor's degree in Finance, Accounting, Business Administration or related field.Minimum 15 years of experience in credit risk management of SME Banking and at least 3 years in credit risk management of Commercial Banking.Professional Credit Certification (PCC) for business is a must. Strong analytical and quantitative skills with the ability to analyze complex financial data and risk factors.In-depth knowledge of credit risk principles, practices, and regulatory requirements.Proven leadership and team management skills.Excellent communication and interpersonal skills, with the ability to interact effectively with senior management, clients, and regulatory authorities.Proficiency in using risk management software and tools.Strategic thinking and problem-solving abilities.Ability to work independently with minimum supervision.Able to work with team environment and have good customer service experiences.Demonstrates a strong determination to achieve goals and overcome challenges.Takes proactive steps and demonstrates initiative to take on tasks independently.Hard-working and diligence in carrying out responsibilities.A Goal Go-Getter to achieve objectives and meet targets.Able to work under pressure and hungry to succeed in their role. We appreciate your talent: Benefits and Perks Competitive basic salary.Attractive annual performance bonus. Our rewards philosophy matches pay to performance, potential and work ethics.Insurance coverage for staff - Group Hospitalization, Group Term Life and Group Personal Accident.Other staff benefits such as Medical claims, Company trips, Teambuilding activities, Wedding gifts, Child Birth gifts and many more.Large, modern, luxury, advanced and trendy office layout for your optimum safety, comfort and performance, prayer room, pantry service, training room and a secure basement parking.We are committed to employee health, wellbeing and comfort – We provide ergonomic adjustable chairs and desks to support and promote good health and body posture. Ergonomic chairs and tables are highly adjustable to suit the natural position of your joints and body type to align your shoulders, provide hips and spine support, increased productivity, and enhanced employee comfort.Excellent personal development opportunities such as Leadership skills, Negotiation skills, Communications skills, Time management skills, Organizational skills, Mentoring programmes, etc. as part of career development. We provide coaching and on-the-job training for suitable candidates as part of long term career mapping. There are opportunities to diversify into other roles within the company. Where are we? Ideal Location Close to Putra LRT - Ampang Park Station (5 mins walk)Adjacent to MRT - Ampang Park Station (5 mins walk)Working day: 5-days workSurrounded by shopping centres - short walking distance to KLCC, Avenue K, Intermark and etc.Located on the ground floor of a 33 storey building with more than 10,000ft of work space. Are you ready to apply your talent and elevate your working skills and experience? Click the 'Apply Now' and you are one step ahead to an outstanding career!
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