Roles and Responsibilities:
Regional (75%)
- Contribute to Regional EmB Loan Global Design, Local Implementation strategies and translate strategies into actionable plans for countries
- Alignment of Subsidiary CRMs to Group CRM and provide oversight and guidance to Subsidiary CRMs on:
- Credit Policy
Credit Framework
Credit Programs
Credit Procedures / Processes
Products and Propositions e.g. Test Programs, Mid-Market, Serial Entrepreneur
Systems e.g. LUMOS, CDMS - Pollinate credit best practices across the Region
- Responsible for renewal of Group Credit Policies and dissemination to Subsidiary CRMs
- Support Subsidiary CRMs to achieve satisfactory Credit Risk Review through oversight and sharing of regional findings / experience
Group (25%)
- Support Business Unit in achieving its lending goals while maintaining sustainable credit risks through:
- Prudent credit assessment of non-STP Credit Proposal and Credit Memo
- Ensure approval complies with regulations, credit policies, product program guidelines and within Lending Authority Limit
- Ensure no new account turning NPL within 12 months from non-STP approval
- Jointly achieve satisfactory internal and external audit ratings
Requirements:
- At least 6 yrs of credit / frontline related experience with regional exposure
- Good understanding of:Small Business Banking products and industries
Portfolio / Delinquency credit framework
- Able to translate strategies into action plans and successful implementation
- Strong interpersonal, communication and effective negotiation skills
- Strong management and supervisory skills
- Strong analytical and quantitative skills and attention to detail
- Adaptive and sensitive to cultural requirements to achieve desired results
- Self-motivated and able to work both independently and within a team
- MS Excel and data analytics skills
