Director, Credit Surveillance

Affin Pheim; Kuala Lumpur; Hybride; MYR 180 000 - 280 000; Plein temps

Résumé du poste

Affin Bank Group is seeking an experienced credit risk professional to monitor, analyze and report on the credit risk profile, asset quality trends and key exposures across ABG. You will present meaningful insights to senior management and committees, including the GMC, GMCC, GBRMC and the Board, helping steer risk decisions.

You will enhance surveillance dashboards and reports, conduct ongoing portfolio analysis, and coordinate with the GCRC and valuers, driving timely action on risk issues.

Qualifications

• Bachelor's degree in a related field.
• 10+ years in credit portfolio analysis or risk management.
• CCP/CCE or related certification is an advantage.
• Strong knowledge of retail and business credit and risk management.
• Proficient in SAS or analytics tools for data extraction and reporting.
• Familiar with BNM’s credit policy, regulatory requirements and compliance.
• Ability to work under pressure and meet deadlines.
• Excellent interaction with multiple organizational levels.

Responsabilités

• Monitor, analyze and report credit risk profile, asset quality trends and exposures across ABG.
• Provide meaningful insights to senior management and committees (GMC, GMCC, GBRMC, Board).
• Oversee overdue annual credit reviews and escalate material issues with GMCC/board.
• Enhance risk surveillance dashboards, reports and monitoring tools.
• Conduct ongoing monitoring and analysis of loan/financing portfolios and asset quality.
• Governance and performance monitoring of the bank's panel valuers.
• Coordinate Group Credit Resolution Committee discussions and actions.
• Undertake thematic reviews, portfolio deep dives and ad hoc assignments.

Connaissances

Analytical thinking

Stakeholder communication

Self-starter

Pressure handling

Interpersonal skills

Formation

Bachelor's degree in related field

Outils

SAS

SQL

Power BI

Python

R

Description du poste

# **Create the future with Affin! You too can make a difference.***We continuously innovate to transform our financial services landscape - making banking better and easier. Join us at AFFIN, where the open minds meet and be inspired by a shared commitment to great work. You too can make a difference.***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 escalate 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.