တိုင်ကြားမှု အောင်မြင်ပါသည်

ROLE PURPOSE 

Lead and implement Yoma Bank's credit risk management framework, including identification, assessment, monitoring, reporting, and management of key risks. Define risk appetite, set risk tolerance levels, and establish effective risk mitigation strategies. Build strong relationships with key stakeholders by addressing risk-related concerns in a timely manner. Promote awareness of key credit risks and exposures among management, ensuring responsible risk-taking aligned with risk appetite. Stay updated on emerging technologies such as data analytics and artificial intelligence to enhance risk management practices. 

Job Responsibilities 

• In charge of Policy, Capability and Hindsight Review Sections 
• Address the adequacy of compliance with and adherence to internal bank credit policy, guidelines and credit process and procedures at each stage of a credit value chain 
• Suggest process improvements to enhance customer experience and operational efficiency in alignment with the bank’s commitment to a strong credit culture 
• Support/Lead in reviewing, modifying, and issuing revised Credit Policies, guidelines, processes, and procedure manuals 
• Assist in evaluating and improving existing credit risk management systems and procedures. 
• Collaborate with the Product Development team to establish processes and procedures for new loan products. 
• Work with the relevant stakeholders to develop and implement Credit Scorecards for loan portfolios. 
• Provide guidance on credit risk assessments, CBM compliance, and submission procedures for credit approvals. 
• Assist in executing key initiatives within the Credit Risk Department’s strategic plan. 
• Coordinate with the Technology Department on loan-related matters in the banking system. 
• Monitor external risks, review asset writing strategies, and submit monthly and quarterly credit risk reports. 
• Conduct credit-related training for staff across branches, departments, and head office to enhance credit culture. 
• Oversee recruitment, KPI reviews, staff matters and maintain strong relationships with internal/ external audit and regulators. 
• Perform any other duties as assigned on an ad-hoc basis. 

QUALIFICATIONS REQUIRED 

Knowledge & Skills    

• Excellent verbal and written communication skills besides strong data analytical, problem solving, leadership and presentation skills. 
• Have a high level of attention to details and strong organization skill and time management abilties 
• Adequate knowledge of Myanmar local regulations .
• Knowledge of financial markets in Myanmar, gained through practical experience 
• In-depth knowledge of lending processes in banking.

Education & Special Training     

• Degree in business/commerce (or) banking & finance (or) accounting (or) economics (or) any industry specific qualification 
• Proficient with Microsoft Office applications and excellent computer skills 
• Proficient in Power BI for data visualization and reporting

Experience 

• Minimum 8 years in financial industry and 3 years in credit field 

Languages 

• Proficiency in English and Myanmar