Credit Risk Manager (non-retail) - Maribank

What you'll do

• Lead credit risk management for non-retail portfolios (corporate, institutional, and SME) across regional markets, ensuring alignment with Group risk appetite and standards.
• Develop, implement, and maintain credit risk policies, frameworks, and underwriting standards suitable for diverse regulatory environments across the region.
• Review and approve complex and large credit proposals, ensuring appropriate structuring, collateralization, and sectoral risk mitigation.
• Monitor portfolio performance and concentration risks across industries and geographies, conducting regular stress tests and scenario analyses.
• Ensure compliance with regional regulatory requirements while maintaining consistency with Group-wide risk governance and Basel standards.
• Provide consolidated reporting and insights on portfolio trends, risk drivers, and early warning signals to regional senior management and Group committees.
• Partner with business teams across countries to balance growth opportunities with prudent credit discipline, driving consistency in credit decision-making.
• Contribute to the enhancement of internal rating models, sector risk frameworks, and credit risk systems to reflect regional market conditions.
• Mentor and guide in-country risk professionals, promoting knowledge sharing and capability development across markets.

Requirements

• Bachelor’s degree in any quantitative field: Finance, Economics, Accounting, or related discipline; postgraduate qualifications or certifications (CFA, FRM, CPA) preferred.
• Minimum 8 years of experience in banking credit risk management, with strong exposure to corporate and institutional clients.
• Proven expertise in credit analysis, financial modeling, and portfolio risk management across multiple industries.
• Strong understanding of regional regulatory environments and cross-border credit risk governance, as well as Basel III/IV and IFRS 9 standards.
• Experience in managing regional or multi-jurisdictional credit portfolios, with ability to navigate varying market conditions and regulations.
• Demonstrated ability to engage with senior management, regulators, and business partners across different countries.
  Proficiency in risk management systems and analytical tools; familiarity with SQL, Python, or SAS is an advantage.
• Strong leadership skills with experience in developing and mentoring teams across multiple markets.
• High integrity, critical thinking, and strategic judgment in balancing business growth with sound risk management.