Manager, Credit Risk Portfolio Management (Risk Management)

Bank Islam Malaysia Berhad; Kuala Lumpur; On-site; MYR 60,000 - 100,000; Full time

Job summary

A leading Islamic bank in Malaysia is seeking a Credit Risk Manager responsible for managing the Bank's credit profile through detailed portfolio analysis, reporting, and policy development. This role offers opportunities for growth in a dynamic environment and aims to maintain compliance with established risk guidelines.

Qualifications

• Assertive and results-oriented.
• Ability to network across functions and countries.
• Capable of multitasking and adapting to changes.

Responsibilities

• Prepare and analyse monthly credit risk reports.
• Monitor compliance with the Group Risk Appetite Statement.
• Analyze portfolio trends and conduct risk impact analyses.

Skills

Analytical

Detail-oriented

Numerate

Self-motivated

Innovative

Job description

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Responsible for analysing, monitoring, and reporting the Bank’s credit profile at the portfolio level to ensure exposures remain within approved limits. This includes highlighting concerns and escalating non-adherence instances to Management and Board Committees. Additionally, responsible for developing and reviewing the Group Risk Appetite Statement (RAS) Policy, Group Enterprise-Wide Risk Management (ERM) Policy, and other related Credit Risk functions.

Duties and Responsibilities

Management and Board Reporting

Prepares, analyses, and reviews monthly credit risk reports for Management and Board Committees, including other required reports.

Consolidates monthly risk reports covering all risk areas—capital adequacy, market risk, and non-financial risk—for submission to Management and Board Committees.

Enhances credit risk reports based on updated BNM/BASEL requirements and the Bank’s portfolio mix to improve insights.

Ensures timely submission of risk reports to Bank Negara Malaysia and Management and Board Committees.

Prepares emerging risk impact analyses on the Bank’s credit profile jointly with the Chief Economist and Group Credit Management Division for Board submission.

Performs biennial reviews of the Group ERM Policy and annual reviews of the Group RAS Policy for Management and Board approval.

Monitors half-yearly compliance with the Group RAS Policy for Board reporting.

Analyzes the Consumer portfolio, including growth, asset quality, and rating profile, to detect trend changes and potential issues, ensuring alignment with retail strategy and risk appetite.

Incorporates AI-driven solutions for Consumer Portfolio review, including predictive analysis.

Reviews changes in Pillar 3 disclosures related to credit quality and asset quality on a half-yearly basis.

Other Tasks

Reviews policies, guidelines, and committee papers related to credit risk as required.

Provides support to subsidiaries when needed.

Coordinates with Business Units to gather relevant data for analysis.

Ensures compliance with internal policies, guidelines, and external regulations.

Performs additional duties as assigned by the Head of Department.

Skills/Knowledge and Certification Requirements

Assertive, innovative team player, committed, self-motivated, resourceful, results-oriented.

Ability to network across functions and countries.

Highly numerate, detail-oriented, capable of multitasking.

Willing to learn and adapt to changes.

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Your application will include questions about your right to work in Malaysia, your expected monthly salary, and your experience as a Credit Risk Manager.

Bank Islam Malaysia Berhad is a pioneer of Islamic banking in Malaysia, offering a wide range of financial products and services. A career here offers growth in a challenging industry and contributes to Malaysia’s position as a leading Islamic financial centre.

Follow our Careers IG @gobeyondatbankislam for more updates on our culture and opportunities.