Credit Risk Manager

Role Overview

We seek a Credit Risk Manager to enhance and oversee the credit risk framework, focusing particularly on SME credit portfolios. The position involves comprehensive monitoring of credit quality, portfolio performance, provisioning, and detection of emerging risks.

Key Responsibilities

• Continuously monitor the credit portfolio's performance across SME, corporate, and retail segments.
• Evaluate IFRS 9 and Expected Credit Loss (ECL) methodologies, incorporating Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), staging criteria, macroeconomic impacts, and management adjustments.
• Analyze portfolio health including delinquency rates, aging loans, concentration risks, provisioning adequacy, and risk categorization.
• Detect emerging credit risks and portfolio deterioration trends, highlighting critical issues needing management focus.
• Conduct financial statement examinations and credit risk analyses to gauge borrower creditworthiness and repayment ability.
• Contribute to the development and refinement of credit risk models, scoring tools, policies, and portfolio monitoring systems.
• Review and ensure the effectiveness of controls governing credit approvals, disbursements, monitoring processes, and provisioning.
• Assist in stress testing, portfolio segmentation, and risk assessment exercises as required.
• Generate regular reports and analyses on credit risk status, providing actionable insights to senior management and relevant committees.
• Collaborate closely with departments including Finance, Credit, Collections, Data Analytics, Compliance, and Business units on credit risk initiatives.

Qualifications and Experience

• Bachelor's degree in Finance, Accounting, Economics, Risk Management, or related disciplines.
• At least five years' experience in credit risk, banking, financial services, risk advisory, or audit roles.
• In-depth knowledge of IFRS 9, ECL methodologies including PD, LGD, EAD, provisioning practices, and credit portfolio analyses.
• Demonstrated expertise managing SME credit portfolios is mandatory.
• Strong capability in financial statement analysis and comprehensive credit risk evaluation.
• Experience within banking, FinTech, lending institutions, or top-tier professional services firms is highly desirable.
• Professional certifications such as ACA, ACCA, CPA, CFA, or FRM provide an added advantage.
• Excellent analytical, communication, and stakeholder engagement skills, with fluency in English both written and spoken.