Director, Retail Credit Policy

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Job Purpose

• Oversee the function of the Retail Credit Policy team.
• Ensure timely development and review of group credit risk policies and their continued relevance.
• Conduct credit risk assessment of product proposals from Business Units (new and variation).
• Educate stakeholders on credit policy requirements.
  
  
  

Job Responsibilities

• Supervise and lead the Retail Credit Policy team in respect of development of new group credit risk policies and updating of existing ones to ensure they remain relevant to changing regulatory requirements, business practices and market conditions.
• Review and assess the pertinent credit risk issues in product proposals prepared by Business Units (BU), providing independent risk comments on such proposals.
• Review and update the Credit Authority Framework and evaluate requests from Business Units for new authority limits to be granted to delegated personnel.
• Train, coach and supervise Retail Credit Policy team members in ensuring their skills remain relevant to job requirements.
• Conduct briefing, workshops and policy trainings to credit risk policy users.
• Presenting credit risk policies to various Management and Board level committees in seeking endorsement / approval for the policies.
• Participate and provide constructive feedback on credit related projects of the Bank.
• Attending to credit risk policy related queries from internal and external stakeholders, including regulators.
• Other Ad-Hoc tasks assigned by Head, Group Credit Risk Management / GCRO.
  
  
  

Job Requirements

• Bachelor's Degree in finance, accounting, business administration, or a related field. A tertiary education is preferred.
• Minimum 12 years of credit related experiences in credit policies, credit management, credit portfolio management, or credit recovery, covering consumer and business credits (SMEs and Corporates) at Managerial level.
• Professional credit certification such as CCP/ CCE or any relevant certification is an added advantage.
• Strong knowledge of retail and business credit especially in credit risk assessment, financial analysis and risk management.
• Analytical and self starter.
• Inclination - with numbers and ability to analyse in depth.
• Sound Knowledge of Industry, Market and General Businesses.
• Ability to interact with all levels of people.
• Good knowledge in credit products and services (both retail and non-retail).
• Familiar with Bank Negara credit policy & procedures, compliance and regulatory requirements.