Head Of Credit Risk in Yangon

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Head Of Credit Risk

Leading Local Bank, | Yangon

Head Of Credit Risk

Leading Local Bank

Head Of Credit Risk

Leading Local Bank

Myanmar - Yangon

| Yangon

27 Oct 2020

Experience level

Director and Above

Job Function

Finance, Accounting, Audit

Job Industry

Banking/ Insurance/ Microfinance

Min Education Level

Bachelor Degree

Job Type

Full Time

Job Description

A Fantastic Opportunity for ...

Review individual transactions and products before submission to the relevant approval authority as per the bank process and CBM regulatory guidelines
Drafts credit reviews ensuring transaction is properly structured and credit submittal is accurate and properly presented to committee for approval
Monitor delinquency and loss performance of loans frequently, ensuring loans acquired meet established performance benchmarks;
Create and maintain credit analysis templates, tools and models, including HP / Retail / Corporate/SME rating tools
Support Risk Management in ensure credit policies and manual are appropriate and monitor the effectiveness of the credit policies and product programs on a regular basis;
Perform root cause analysis to understand any performance deterioration and establish appropriate credit policies to bring performance back to within benchmarks;
Provide forecasts to feed into the Business Plan/Forecasts;
Actively participate in providing analytics/information on credit performance to our key shareholders;
Review accuracy of financial information, liaise with relationship managers on any unclear or incomplete client information
Interrogate credit bureaus, public collateral registries, land registries any other source of public information relevant to the credit quality of the borrower (when applicable)
Prepare activity reports on number of accounts received, reviewed, approved and rejected
Formulates observations regarding general lending practices in the bank including Credit or Product Policy Amendments, Procedures, Lending Standards etc.
Performs supervisory responsibilities as assigned.

Open To

Male/Female

Job Requirements

To succeed in this Head of Credit Risk role, you will need to maintain regular communication and liaison with business functions, credit administration, recovery teams, audit and compliance functions and exchange views on credit policy compliance, portfolio quality.
Good understanding of Customer Acquisition and Credit Underwriting;
Good understanding of credit decision models and determination of cut-offs based on unit economics/ profitability models. Knowledge of modelling using machine learning is a plus;
Hands-on expertise in developing credit risk indicators like delinquency and loss performance by vintages;
Strong quantitative and analytical skills in conducting analysis using customer performance data, credit bureau/ vendor data, and marketing data to make profitable underwriting decisions;
Ability to work efficiently in a matrix environment in managing the performance of new bookings and ensuring every loan booked is profitable;
Strong communication and presentation skills and an ability to transform data into insight to support decision making
Bachelors or Master’s degree in from reputable university
Minimum 8 years of experience in Banking
Regulatory interaction experience with a large and complex banking organization