Director, Credit Surveillance

AFFIN Group; Kuala Lumpur; On-site; MYR 180,000 - 300,000; Full time

Job summary

AFFIN Group invites a senior credit risk professional to join our Group Credit Risk Management team in Kuala Lumpur. You will lead monitoring and analysis of credit risk profiles across ABG, deliver insights to GMC/GMCC/GBRMC, and drive enhancements to risk surveillance dashboards and reports.

The role requires 10+ years in credit risk, a degree in a related field, and proficiency in analytics tools (SAS/SQL/Power BI).

Qualifications

• 10 years of experience in credit portfolio analysis or credit risk management.
• Bachelor's degree in any related field.
• Professional credit certification such as CCP/CCE or equivalent 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 (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, regulatory requirements.
• Ability to work under pressure to meet deadlines.
• Ability to interact with various levels of people.

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 escalator 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).

Education

Bachelor's degree in any related field

Tools

SAS

SQL

Power BI

Python

R

Job description

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 escalator 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.