Assistant Vice President, Credit Risk - Credit Management - Wholesale MY at CIMB Group Malaysia

Kuala Lumpur, Kuala Lumpur, Malaysia -

Full Time

Start Date

Immediate

Expiry Date

27 May, 26

Salary

0.0

Posted On

26 Feb, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Business Intelligence, Analytics, Credit Risk Management, Risk Assessment, Reporting, Decision Making, Data-Driven Analysis, Stress Testing, Credit Evaluation, Underwriting Standards, Risk Policy, Risk Appetite, RAROC, Rating Methodology, Early Warning Indicators, Regulatory Compliance

Industry

Banking

Description

#LI-DA1 Key Responsibilities Business Intelligence and Analytics Foster agility and growth mindset with robust application of business intelligence and analytic tools to develop, implement and enhance risk management capabilities and processes in meeting evolving business needs and regulatory requirements. Design and implement insightful credit risk dashboards and reports to facilitate risk identification, assessment, monitoring and reporting, enable informed decision-making and provide business stakeholders with clear and actionable insights. Collaborate with CIMB Singapore BUs to provide insights in support of the business planning / forecasting and performance monitoring via appropriate MIS, risk appetite triggers, and portfolio reviews. Leverage on data-driven and deep-dive analysis / insights to identify, evaluate and monitor early warning signs of credit deterioration and stress testing to identify credit risk trends, anomalies and vulnerabilities, enabling the prevention of potential credit losses and shaping of credit risk portfolio strategies. Facilitate the analysis, reporting and escalation to Senior Management / risk committees that are strategic, insightful and forward-looking on emerging risks, portfolio performance and trends for portfolio optimization and effective risk management. Support strategic alignment by actively participating in projects / initiatives with respect of credit portfolio, business strategy, productivity or quality improvement that support business growth and enhance risk management. This includes user requirement specifications, user acceptance test and documentation of new procedures and training materials. Provide secretariat function and support for SG Risk Committees. Credit Evaluation & Decision Making for Non-Retail covering Commercial Banking and Corporate Banking Provide independent and sound credit assessment and evaluation that align with credit underwriting standards and risk policy / framework / risk appetite / risk posture within the stipulated turnaround time with the objective of providing sound credit recommendations on credit proposals to the Group’s Credit Committee(s) as well as EXCO / Board for decisions; and ensure appropriate balance is considered in risk-return decisions such as asset quality and RAROC / financial targets to minimise the probability of credit losses. Drive effective risk management using appropriate credit risk management tools / methodologies including, but not limited to, Rating Methodology, Early Warning Indicators (EWI), Watchlist Framework, Risk Acceptance Criteria (RAC) and Stress Testing (including thematic review) to ensure robust underwriting and portfolio review in line with Risk Posture and Risk Appetite. People Management – Customer and Employee Engagement & Development Customer: Foster collaboration with CIMB Singapore BUs/BEs, and other relevant cross-functional stakeholders within Risk. Build and maintain strong relationships and rapport with various business units, business support function units and other areas of risk management within CIMB Singapore. Promote and foster a collaborative and high-performance risk culture for sustainable growth. Employee Engagement & Development: Demonstrate strong leadership capabilities in supporting the team’s development to meet evolving risk and business needs. Provide guidance and / or support to team members, ensuring alignment with the Bank’s strategic objectives and Group Risk priorities. Embrace CIMB EPICC culture and values. Regulatory Compliance Provide support to Singapore Risk in addressing MAS requirements and audit request, ensuring the Branch’s risk framework and practices are in compliance with the applicable banking laws, regulations, internal policies and procedures. Stay abreast of industry trends, regulatory developments and best practices in credit risk management to continuously enhance the bank’s risk management capabilities.

Responsibilities

The role involves fostering growth through business intelligence and analytics to enhance credit risk management capabilities, designing insightful dashboards, and collaborating with business units to provide performance monitoring and risk insights. Additionally, the position requires providing independent and sound credit assessment and evaluation for non-retail segments, aligning with credit underwriting standards and risk policy.