Credit Risk Senior Manager

To identify and manage credit risks. To develop and implement of a comprehensive and effective credit risk management framework that meets established internal standards, aligns with industry best practice and Ekman s risk profile. To support credit strategy implementation through development of policy, monitoring and forecasting credit portfolio risk.

Develop the annual business plans for the department ensuring alignment to the function s strategic plan.

Contribute to the formulation and implementation of the strategy in line with EMKAN s vision, mission and Business Focus Areas.

Report on the progress of activities against the annual business plans, opportunities, challenges and issues faced, mitigations taken, etc. as required, to facilitate informed decision-making.

Build and lead a motivated, engaged and competent manpower throughout the division, by setting priorities and objectives, managing performance, and providing ongoing feedback and coaching to meet the departmental challenges and goals.

Serve as a role model for the Credit Risk to ensure employees awareness and commitment to EMKAN s vision, mission, values, EMKAN fundamentals and corporate strategy to establish a highly engaged and motivated manpower, and continuously improve performance.

Manage Credit Risk staff and teams by overseeing their performance management, recruitment, training and development to ensure high levels of engagement and competence and motivated work environment.

Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.

Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets

Qualifications, Experience, & Skills

Bachelor s degree in Finance, Business Administration, or any other relevant field (Master s degree is preferred).

Minimum of 10-12 years of relevant experience in Credit Risk Function.

Understanding of lending strategies and business models, especially Personal finance, Auto lease, Credit Cards and SME.

Knowledge of credit assessment, credit policy, underwriting, risk management, and portfolio management tools and processes including scoring models and profitability models

Experience in focus on quality growth and member service while maintaining an appropriate risk/return balance

Exhibits excellent analytical, multi-tasking, and time management skills.

Ability to lead and motivate cross-functional, interdisciplinary teams to achieve tactical and strategic goals

Ability to professionally handle confidential matters.

High degree of initiative, dependability, and ability to work under minimal supervision

Bachelor s degree in Finance, Business Administration, or any other relevant field (Master s degree is preferred).

Minimum of 10-12 years of relevant experience in Credit Risk Function.