Head of EMB Credit Risk Approval - ED

OCBC company; Kuala Lumpur; On-site; MYR 180,000 - 240,000; Full time

Benefits offered by this job

Competitive base salary

Flexible benefits

Industry-leading learning opportunities

Job summary

OCBC company in Kuala Lumpur seeks a Head of EMB Credit Risk Approval to lead credit risk decisions and ensure sound credit policies. The role involves oversight of credit applications and compliance with regulatory standards, requiring a degree in finance or relevant fields and a minimum of 10 years of credit risk experience. The successful candidate will foster a strong risk culture and collaborate with various teams, all while enjoying competitive benefits and professional growth opportunities.

Qualifications

• Minimum 10 years of relevant credit risk or credit approval experience.
• Proven senior-level decision-making capability.
• Excellent command of written and spoken English.

Responsibilities

• Provide leadership and direction to a team of credit approvers.
• Assess credit standing and approve Emerging Business (EMB) credit applications.
• Conduct post-mortem reviews on delinquent accounts.

Skills

Credit risk leadership

Strong credit judgement

Stakeholder management

Planning and organization

Education

Diploma or Degree in Accounting, Finance, Commerce, Economics, Business

Job description

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Such purposes are set out in a Data Protection Policy, which is accessible at www.ocbc.com/policies or available on request and which you confirm you have read and understood.Head of EMB Credit Risk Approval - ED page is loaded## Head of EMB Credit Risk Approval - EDremote type: Onsitelocations: OCBC Malaysia, Menara OCBCtime type: Full timeposted on: Posted Todayjob requisition id: JR00007616# **WHO WE ARE:** Today, we’re on a journey of transformation. Leveraging technology and creativity to become a future-ready learning organisation. But for all that change, our strategic ambition is consistently clear and bold, which is to be Asia’s leading financial services partner for a sustainable future. We invite you to build the bank of the future. Innovate the way we deliver financial services. Work in friendly, supportive teams. Build lasting value in your community. Help people grow their assets, business, and investments. Take your learning as far as you can. Or simply enjoy a vibrant, future-ready career.Your Opportunity Starts Here.# **Position****Head, EMB Credit Risk Approval** **Rank:** Executive Director**Job Purpose**To provide strong credit risk leadership over Emerging Business (EMB) credit approvals, ensuring sound credit decisions, disciplined adherence to risk appetite, regulatory compliance, and efficient delivery of approval outcomes that support sustainable portfolio growth.**Key Responsibilities****Credit Approval & Risk Oversight*** Provide leadership and direction to a team of credit approvers, ensuring consistent application of credit policies, standards, and approval discipline.* Assess credit standing, structure facilities, and approve all Emerging Business (EMB) credit applications, including credit exceptions.* Evaluate and approve trade transaction exceptions, current account excesses, end-financing empanelment proposals, and other ad-hoc exceptions, where required.* Review and approve rescheduling and restructuring proposals in line with credit policy and risk appetite.**Governance & Compliance*** Oversee the timely review and enhancement of the EMB Credit Procedure Guide, ensuring alignment with business developments, risk appetite, and regulatory requirements.* Ensure full compliance with all applicable regulatory requirements, internal controls, and audit expectations.* Act as the key point of contact for internal, external, and regulatory audits relating to credit approval matters.**Portfolio Reviews*** Conduct post-mortem reviews on delinquent or problem accounts to identify root causes, systemic issues, and control gaps.* Partner with Policy and Collections teams to ensure early identification of credit deterioration and timely implementation of corrective actions.* Provide clear and constructive risk feedback to business stakeholders to support prudent and sustainable EMB portfolio growth.**People & Operational Management*** Manage departmental capacity and resources to ensure credit approval turnaround time are consistently delivered within agreed service level targets.* Continuously enhance credit approval processes to improve efficiency, quality, and productivity.* Build a strong risk culture through coaching, mentoring, and effective performance management of the credit approval team.# **Job Requirements*** A recognised Diploma or Degree in Accounting, Finance, Commerce, Economics, Business, or a related discipline.* Minimum 10 years of relevant credit risk or credit approval experience, with proven senior-level decision-making capability.* Strong credit judgement with high integrity and sound risk awareness.* Proactive, adaptable, and open to change, with a continuous improvement mindset.* Excellent planning, organisation, and stakeholder management skills.* Independent, self-motivated, resourceful, and confident in exercising authority.* Excellent command of written and spoken EnglishThis Role reports into Head of Retail Credit Risk Management# # **What we offer:**Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.