Unsecured Credit Team Manager

2 days ago

Malaysia CIMB Group Full time 120,000 - 180,000 per year
Description

Key Responsibilities *

Strategy and Planning

  • Prepares monthly management reports for management review.

Business Performance and Management

  • To perform credit review and decision in accordance with the DA assigned at this level.
  • Review appeals on status relating to the application and resolved them effectively.
  • Ensure that the process is efficiently managed and that all applications are processed on a timely basis
  • Involved in system enhancement projects as and when required
  • Work with other business units (sales, portfolio, outsourcing) to ensure that the smooth transition of operations across units
  • Any other credit processing relating duties as assigned by the supervisor from time to time

People Management

  • Manage a team of processing officers in ensuring that all applications are reviewed and process promptly and accurately.

Regulatory Compliance

  • Review the approval process and ensuring compliance to all internal and regulatory guidelines.
  • Review the policies on a regular basis and make changes as and when required so as to ensure that it is relevant to the current market conditions 

Any other responsibilities/tasks as assigned by the Management from time to time.

Key Dimension of Impact *

Adhere to Service Level Agreement (SLA) for approval status:

  • Ploans: 90% within 1 day.
  • Credit Cards/ Cashlite: 90% within 3 days.

Ensure portfolio risk/reward profile is within company risk appetite. Manage acquisition quality, portfolio quality and low side overrides.

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