Director, Credit Surveillance

Affin Bank Berhad; Kuala Lumpur; Sur place; MYR 180 000 - 240 000; Plein temps

Résumé du poste

AFFIN BANK is seeking an experienced credit risk professional to monitor, analyse and report on the Bank Group's credit risk profile and asset quality. You will provide insights to senior management and committees, oversee annual credit review processes, and drive improvements to risk surveillance and reporting tools.

The role requires a minimum of 10 years in credit risk management, plus strong analytical skills and proficiency with SAS/SQL/Power BI.

Qualifications

• Bachelor's degree in any related field.
• Minimum 10 years of experience in credit portfolio analysis or risk management.
• Professional credit certification such as CCP/CCE is an advantage.
• Strong knowledge of retail and business credit risk assessment.
• Familiar with banking products and services.
• Proficiency in SAS or other analytics tools (SQL, Power BI, Python, R) for data extraction and reporting.
• Ability to work under pressure and meet deadlines.
• Ability to interact with various levels of people.

Responsabilités

• Monitor, analyze and report credit risk profile and asset quality trends across ABG.
• Provide insights and recommendations to senior management and committees.
• Oversee monitoring and reporting of overdue annual credit reviews across ABG.
• Identify concerns and elevate material issues to GMCC and stakeholders.
• Enhance risk surveillance reports, dashboards and tools for timely risk identification.
• Conduct ongoing monitoring of loan portfolios and asset quality.
• Identify emerging risks and recommend mitigation measures.
• Manage governance and performance monitoring of the Bank's panel valuers.
• Coordinate GCRC submissions and ensure timely follow-up.
• Undertake thematic reviews and ad hoc risk assignments.

Connaissances

Analytical skills

Self-starter

Stakeholder management

Regulatory knowledge

Time management

Formation

Bachelor's degree in any related field

Outils

SAS

SQL

Power BI

Python

R

Description du poste

Job Responsibilities:

Manage the monitoring, analysis and reporting of the credit risk profile, asset quality trends, key credit exposures and emerging risk issues across Affin Bank Group (ABG). Provide meaningful insights and recommendations to senior management and relevant Committees, including the Group Management Committee (GMC), Group Management Credit Committee (GMCC), Group Board Risk Management Committee (GBRMC), Group Early Alert Committee and Board of Directors, where applicable. Oversee the monitoring and reporting of overdue annual credit reviews across ABG, identify key concerns and underlying trends, and elevate material issues to the GMCC and relevant stakeholders for deliberation and corrective actions, where necessary. Drive the continuous enhancement of credit risk surveillance reports, dashboards and monitoring tools to strengthen the effectiveness and timeliness of risk identification, analysis and reporting. Conduct ongoing monitoring and analysis of loan/financing portfolios, investment assets and overall asset quality. Proactively identify emerging risks, adverse developments and portfolio vulnerabilities, and recommend appropriate risk mitigation measures for management consideration. Manage the governance and performance monitoring of the Bank's panel valuers, including maintenance of valuer records, monitoring service standards, overseeing work allocation, conducting annual performance reviews and assessing applications for empanelment of new valuers. Manage and facilitate the Group Credit Resolution Committee (GCRC), including reviewing submissions, coordinating discussions, and ensuring timely follow-up on agreed action items. Undertake thematic reviews, portfolio deep dives, special risk assessments and ad hoc assignments as directed by the immediate superior, Head of Group Credit Risk Management or Group Chief Risk Officer (GCRO).

Job Requirements:

• Bachelor's degree in any related field
• Minimum 10 years of experience in credit portfolio analysis, credit risk management, or related field
• Professional credit certification such as CCP/ CCE or any relevant is an advantage
• Strong knowledge of retail and business credit especially in credit risk assessment, financial analysis and risk management
• Well-rounded knowledge of banking products and services
• Proficiency in SAS or other analytics tools (e.g., SQL, Power BI, Python, R) for data extraction, analysis, and reporting
• Strong analytical skills and a self-starter attitude
• Familiar with BNM’s credit policy & procedures, compliance and regulatory requirements..
• Ability to work under pressure to meet deadlines
• Ability to interact with various levels of people

People are the heart of AFFIN BANK. We have a positive and supportive environment where we celebrate people’s personal growth and encourage them to be the best versions of themselves, both in the workplace and in their community. Join AFFIN as we evolve to become a financial institution of the future, embracing innovation and technology to deliver unrivaled customer service. We're looking for colleagues who share our values and are ready to live them every day. Explore the exciting opportunities and make a real impact on the future of finance. Come be a part of our journey today! “Always About You” At AFFIN, we strive to always connect and engage with our customers, to understand their changing needs and aspirations better. It represents our passion and commitment to the community we operate in, enabling us to quickly respond to changes and provide a personalised experience. At AFFIN, our people are aligned to our values of customer centricity, creativity and value creation. Our tagline “Always about you”, was crafted to drive loyalty and build our reputation as a creative and innovative financial organisation. Our people are at the heart of what we do and remain the focus of our customer centric culture. It’s about the initiatives we take in understanding and prioritising our stakeholders; our customers, employees and shareholders. As we venture through this metamorphosis journey, we are aware of their ever-changing needs and are embracing the new ways of this digital dimension. We put our hearts and minds into everything we do, to ensure that everyone we touch, receives unrivalled customer service.