(Digital Bank) Credit Risk Head

• Responsible for the development and implementation of the policies and procedures to mitigate the credit risk within the business.
  
• Managing all credit risk aspects of current and newly on boarding client, reviewing and amending Criteria where necessary in order to ensure that the business is in line with the agreed Risk parameters.
  
• Lead and Review on the development of new products, marketing and pricing campaigns that affects the risk profile of the customer and portfolio.
  
• Define credit risk portfolio management requirements and own the associated monitoring, control and forecasting requirements.
  
• Responsible on development of the Risk management strategies as well as the risk appetite
  
• Manage all of the credit risk aspects, continuous reviewing, and making adjustment when necessary in order to ensure that business is in line with the agreed Risk Appetite for the portfolio.
  
• Monitor and report on the performance against all key metrics including forward looking views with early escalation of trends and variations to ensure continued adherence to Risk Appetite.
  
• Responsible for defining parameters for ability to measure, monitor and control current and anticipated performance of the portfolios at all stages of the credit life cycle.
  
• Define credit risk portfolio management requirements and own the associated monitoring, control and forecasting requirements
  
• Setting limits and credit criteria for existing customers and for the new customers
  
• Liaise with different stakeholders within the business to identify and measure on the companys risk exposure
  
• Develop credit reporting risk and monitoring framework in accordance with the regulatory and regional requirements.
  
• Ensure timely delivery on credit reporting and performance monitoring, and preparation of reporting readily for the risk committee board
  

Requirements

• 7+ years banking experience in credit risk role
  
• Strong understanding of credit analysis and policies
  
• Fully understand with risk management principles
  
• Experienced with credit risk management and associated analytic techniques and practices
  
• Posses strong numerical capability, and understanding of statistics.
  
• Professional qualifications e.g. CFA/ FRM preferable
  

Benefits