Lead credit risk management for non-retail portfolios (corporate, institutional, and SME) across regional markets, ensuring alignment with Group risk appetite and standards.
Develop, implement, and maintain credit risk policies, frameworks, and underwriting standards suitable for diverse regulatory environments across the region.
Review and approve complex and large credit proposals, ensuring appropriate structuring, collateralization, and sectoral risk mitigation.
Monitor portfolio performance and concentration risks across industries and geographies, conducting regular stress tests and scenario analyses.
Ensure compliance with regional regulatory requirements while maintaining consistency with Group-wide risk governance and Basel standards.
Provide consolidated reporting and insights on portfolio trends, risk drivers, and early warning signals to regional senior management and Group committees.
Partner with business teams across countries to balance growth opportunities with prudent credit discipline, driving consistency in credit decision-making.
Contribute to the enhancement of internal rating models, sector risk frameworks, and credit risk systems to reflect regional market conditions.
Mentor and guide in-country risk professionals, promoting knowledge sharing and capability development across markets.
Requirements
Bachelor's degree in any quantitative field: Finance, Economics, Accounting, or related discipline; postgraduate qualifications or certifications (CFA, FRM, CPA) preferred.
Minimum 8 years of experience in banking credit risk management, with strong exposure to corporate and institutional clients.
Proven expertise in credit analysis, financial modeling, and portfolio risk management across multiple industries.
Strong understanding of regional regulatory environments and cross-border credit risk governance, as well as Basel III/IV and IFRS 9 standards.
Experience in managing regional or multi-jurisdictional credit portfolios, with ability to navigate varying market conditions and regulations.
Demonstrated ability to engage with senior management, regulators, and business partners across different countries. Proficiency in risk management systems and analytical tools; familiarity with SQL, Python, or SAS is an advantage.
Strong leadership skills with experience in developing and mentoring teams across multiple markets.
High integrity, critical thinking, and strategic judgment in balancing business growth with sound risk management.
