ROLE PURPOSE

To support the effective management of credit risk across the bank by assisting in the development and governance of credit policies, monitoring portfolio performance through data analytics, and strengthening credit decision processes. The role helps to maintain compliance with regulatory requirements and internal standards, contributes to credit practices, improves portfolio quality, and informs risk-based decision-making. 

KEY RESPONSIBILITIES

Credit Policy & Governance 

• Assist in reviewing, updating, and issuing Credit Policies, Guidelines, SOPs, and Instructions in line with CBM directives and internal standards. 

• Support the implementation and governance of end-to-end credit processes across business units. 

• Conduct quarterly reviews of the Asset Writing Strategy (AWS) and support its alignment with business strategy and ECC requirements. 

Credit Risk Analytics & Monitoring 

• Design and maintain Power BI dashboards to monitor credit quality & trends across loan products and sectors, vintage analysis, portfolio thresholds, and new loan book performance, and provide insights and findings to stakeholders 

• Prepare monthly and quarterly credit risk reports for submission to Enterprise Risk Management (ERM) and senior committees. 

Scorecard & Process Development 

• Collaborate with business and analytics teams to develop and implement credit scorecards tailored to different loan portfolios. 

• Work with Product Development teams to establish risk-aligned processes for new credit products. 

Training & Capability Uplift 

• Facilitate credit training programs for staff across branches and departments to strengthen credit discipline and awareness. 

QUALIFICATIONS REQUIRED 

Knowledge & Skills                  

• Basic understanding of credit risk, banking products, or financial analysis. 
• Willingness to learn risk frameworks, reporting tools, and regulatory guidelines. 
• Familiarity with Excel; experience with Power BI is an advantage. 
• Detail-oriented, with good time management and communication skills. 
• Analytical mindset with ability to interpret data and identify trends.  
• Ability to collaborate across functions and work effectively in teams. 

Education & Special Training   

• Degree in business, Commerce, Banking & Finance, Economics, or a related discipline is preferred. 
• Basic knowledge of Microsoft Office (Excel, Word, PowerPoint) is required. 
• Exposure to Power BI or similar data visualization tools preferred. 

Experience

• Minimum 1 year of relevant experience, or candidates with strong internship experience in risk or finance may also be considered. 

Languages

• Proficiency in English and Myanmar