Ch L, Strategic Crdt Planning

Working Hour

Regular Hours
Monday - Friday

Business Area

Retail Banking

Location

Malaysia - Kuala Lumpur

Description

**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
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