Manager, Credit Risk

AEON Credit Service (M) Bhd; Kuala Lumpur; On-site; MYR 70,000 - 100,000; Full time

Job summary

A leading financial services provider in Kuala Lumpur is looking for a candidate to manage credit risk and oversee compliance with internal and regulatory standards. The successful applicant will prepare reports and monitor the credit portfolio's performance. Ideal for someone with a strong analytical background and experience in financial risk management. Join us to support our mission to improve financial services in Malaysia.

Qualifications

• Manage Credit Risk Management (CRM) and reporting.
• Review and prepare Basel II and III reporting comfortably.
• Advise management on loan asset quality and risks.

Responsibilities

• Provide timely reporting on credit risk portfolio.
• Ensure alignment of credit policies with regulations.
• Monitor and report credit portfolio performance.

Job description

Responsibilities

• Manage the Credit Risk Management (CRM) and provide timely reporting on credit risk portfolio and exposure to management, board and regulatory.
• Ensure adequate and proper credit policies, procedures and supporting mechanisms in managing credit risks and aligned to local regulations, internal rules, leading practices and business needs.
• Review and ensure timely preparation of Basel II and Basel III reporting and other regulatory reporting based on BNM’s guidelines.
• Ensure timely preparation of Credit Risk Report for submission and deliberation at Management/Board meetings and regulatory reporting.
• Support management and stakeholders with the provision numbers (computation of Expected Credit Loss (ECL) MFRS9) for internal management reporting, published financial statements, analysis and simulation of provision numbers as well as ad hoc requests.
• Monitor, analyse and report credit portfolio performance, concentration, trigger limits with forward looking elements.
• Review and assess risk profile of the loan portfolio and ensure the compliance with internal/external guidelines and procedures.
• Advising and reporting to management on loan asset quality including concentration and migration of risk in portfolio, identification of potential vulnerabilities of portfolio under stressed and specific business condition.
• Acquainted with all the risk monitoring tools that are used for scenario analysis, stress testing and financial modelling and others.
• Encourage a culture of risk awareness and accountability across the business.
• Provide ongoing advice to the management regarding emerging risk issues throughout the organization to support informed decision making.
• Supporting the Company strategy by cultivating risk governance culture
• Review and recommend risk methodology that is align to the regulatory and industry best practice requirements.
• Independently reviewing high risk project that may have adverse impact to the Organization.
• To assist in planning and executing of the business continuity management together with changes in methodology to ensure effectiveness of the business continuity and resilience of the Organization.

About AEON Credit Service (M) Berhad

AEON Credit Service (M) Berhad is a leading consumer financing provider with business operations in Japan, Malaysia, Hong Kong, Thailand, Taiwan and China. We established a strong presence in Malaysia since 1996 with a wide range of consumer financial services. Our portfolio currently includes credit card, personal financing and easy payment scheme which help enrich the livelihood of many Malaysians.

We offer an exciting and dynamic workplace for all employees. As part of our expansion plan, we are on the lookout for talented individuals who strive for excellence. If you are visionary go-getter, come join us today. Together, we can shape a promising and satisfying career path.