Job Description
Risk Governance
- To lead the Risk Management Department as a centralized function that will provide guidance as well as checks and balances to risk exposure in the businesses.
- Implement the operational Risk Management Framework for the Bank and oversee its effective application.
- Develop a good / bad bank segmentation model for use in portfolio management activities.
- Improve portfolio quality and optimize risk adjusted return dynamics through development of effective portfolio management strategy, including increase / decrease of exposure based on segment performance within the portfolio.
- Review of portfolio/ environment indicators and rigorous portfolio stress testing for pre-emptive portfolio strategy development.
Policy, MIS and Portfolio Management
- Develop well documented credit policies that support customer relationship deepening and strengthening of portfolio loss coverage, scorecard usage and bureau cut off setting.
- Ensure development of high-quality MIS to monitor portfolio shifts and identify risks and opportunities. Ensure MIS decks provide segmentation based on Basel II risk grades and profitability indicators.
- Ensure portfolio is managed in an effective manner and regular monitoring of portfolio caps and exposures.
Operational Risk Management
- To be the source of reference in facilitating and promoting the understanding of Operational Risk (OR) requirements. Lead and support implementation of OR initiatives within the organization.
- Proactively communicate with the Unit heads and BORM (Board of Operational Risk Management) on operational risk issues. Escalate significant events to Unit Head /BORM as appropriate.
- Coordinate and consolidate operational risk and loss reporting of the Bank for the reporting to the Managements and the Committee. Ensure data accuracy and completeness.
- Design and implement control measures and monitoring plans for compliance and operational risk management. Ensure effectiveness of controls for compliance monitoring and risk management.
- Undertake and/or coordinate periodic business monitoring (self-assessment) activities within the Business Unit and escalate findings and or breaches to Business functions, when they occur.
- Develop, maintain (update) the Business Continuity Plan including business recovery strategy.
- Plan and conduct BCP exercise for all units in Credit including the development of exercise plans, scripts, scenarios and documentation.
- Plan and roll out BCP related training & briefing to raise awareness of
- Business Continuity planning issues within Risk Management.
People and Organization
- Employ, engage and retain high quality people. Identify critical talent and succession gaps in the function and develop appropriate plans/strategies to ensure continuity.
- Define an organization structure aligned and scaled to the risk control needs of the Bank, balancing regulatory & local requirements as necessary.
- Set and monitor job descriptions and objectives for direct reports and provide feedback and rewards in line with their performance against those responsibilities and objectives.
- Any duties that may be assigned by the bank from time to time.
Job Requirements
KNOWLEDGE & EXPERIENCES
- The successful candidate is expected to have a good university degree from a recognized institution. An MBA and relevant professional affiliation would be ideal.
- The professional would likely come with more than 5-10 years of experience in related areas and is a seasoned manager and administrator.
- The individual would have broad exposure and knowledge of the overall risk management function
- In depth experience in credit risk, operational Risk, portfolio management will be desirable.
- Experience in leading and managing a team.
SKILLS & ABILITIES
- Be a good team player with a sense of responsibility and adaptability;
- Be good at data manipulation with power query, power BI, Pivot and SQL/ORACLE.
- High proficiency in English knowledge;
- Ability prioritize, multi-task and work well under pressure to meet deadlines;
- Skills in managing, communicating, reporting, solving problem, and interpersonal skill.
- High committed, confident and talent to work.
- Ability to develop the banking operations policies and procedures and translate to actions.
Other Benefit
- 13th month salary
- Incentive
- Annual bonus
- Seniority Pay
- Training
- Health and life insurance