Deskripsi Pekerjaan
Join the executive leadership team at CIMB Group Holdings Berhad as the VP of Non-Retail Credit Policy. In this pivotal role, you will be at the forefront of shaping our financial risk governance framework. You will lead the strategic development of non-retail credit policies, ensuring they align with global Basel standards while driving sustainable, risk-adjusted growth.
As a key stakeholder influencer, you will collaborate with senior business leaders to navigate complex credit landscapes. Your expertise will drive decision-making processes that optimize capital allocation and enhance the group's credit risk profile. We are looking for a visionary leader who can balance regulatory compliance with aggressive business growth strategies.
By leveraging your deep understanding of credit risk models and regulatory frameworks, you will champion a culture of risk awareness across the organization. This is an opportunity to make a significant impact on the financial stability and strategic direction of a leading banking institution in Southeast Asia.
Tanggung Jawab
- Strategic Policy Development: Design, implement, and continuously refine the non-retail credit risk policy framework to ensure alignment with Basel III/IV requirements and internal governance standards.
- Risk Governance: Lead the credit risk governance function, overseeing the approval process for new products, large exposures, and complex credit structures.
- Stakeholder Management: Influence senior management and board committees by presenting clear, data-driven insights on credit risk trends, capital adequacy, and emerging market risks.
- Capital Allocation: Drive strategies that optimize risk-adjusted return on capital (RAROC) for the non-retail portfolio, ensuring efficient use of financial resources.
- Regulatory Compliance: Act as the primary liaison with regulatory bodies, ensuring all credit practices comply with Bank Negara Malaysia guidelines and international best practices.
- Team Leadership: Mentor and develop a high-performing team of credit risk analysts and modelers, fostering a culture of excellence and innovation.
- Portfolio Monitoring: Establish robust monitoring systems to track early warning indicators and manage deteriorating credit assets proactively.
Kualifikasi
- Education: A Master’s degree or higher in Finance, Economics, Mathematics, or a related field (MBA preferred).
- Experience: Minimum of 10-12 years of experience in credit risk management, with at least 5 years in a senior leadership role within a commercial or investment banking environment.
- Certifications: Professional certifications such as FRM, CERA, or CFA are highly desirable.
- Technical Skills: Strong proficiency in advanced credit risk modeling, statistical analysis, and enterprise risk management (ERM) software.
- Strategic Thinking: Proven track record of formulating credit strategies that support business growth while mitigating significant risk exposure.
- Communication: Exceptional ability to communicate complex risk concepts to non-technical stakeholders and regulatory bodies.
- Industry Knowledge: Deep understanding of the Malaysian banking sector and non-retail lending products (e.g., corporate lending, project finance).