EFD Group and its group of companies in the Financial sector is looking for a skilled professional with experience in the financial service sector. Senior Manager, Credit Risk, one of the core members of the executive team, is responsible to identify and mitigate credit risk harmful to the company’s financial operation with expert knowledge in alignment with Myanmar financial regulations. The aim of this position is to lead initiatives for development of methodologies for measurement of credit risk.  This position is responsible to develop and enhance the credit reporting and monitoring framework which meets the requirements of various external & internal stakeholders. Ensure timely and accurate delivery of Credit Risk reports. Performs credit analysis and interprets the information and suggest actions for consideration to the Senior Management.

Duties/Responsibilities

• Review individual transactions and products before submission to the relevant approval authority as per the company 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
• Suggest to Senior Management about Credit Risk Analysis in order to reduce risk level in business operation
• 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;
• Responsible to 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.

• Bachelor Degree or Master’s degree in reputable university
• Minimum 8 years of experience in Banking or Microfinance
• Regulatory interaction experience with a large and complex banking or financial organization
• Good understanding of Customer Acquisition and Credit Underwriting
• Be strong quantitative and analytical skills in conducting analysis using customer performance data, credit bureau/ vendor data, and marketing data to make profitable underwriting decisions
• Good understanding of credit decision models and determination of cut-offs based on unit economics/ profitability models.