Section Head, Risk Decision

Agrobank; Kuala Lumpur; On-site; MYR 80,000 - 120,000; Full time

Job summary

Agrobank seeks a Lead for the Risk Decision Management Section, responsible for developing and reviewing credit scorecards, ensuring compliance, and improving credit risk management practices. Applicants should possess strong analytical skills, a relevant Bachelor’s Degree, and 7-10 years of experience in credit risk modeling.

Qualifications

• 7-10 years in credit risk modeling with leadership skills.
• Proficiency in R, Python, SAS, or similar statistical tools.
• Fluent in English and Bahasa Malaysia.

Responsibilities

• Develop and monitor credit risk models.
• Validate scorecards and recommend risk mitigation measures.
• Collaborate across departments for model integration.

Skills

Analytical skills

Problem-solving

Communication

Education

Bachelor’s Degree in Finance

Master’s degree or certifications

Tools

R

Python

SAS

Job description

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Lead the Risk Decision Management Section in the development and review of credit scorecards, as well as technical tasks such as data automation using programming tools and creating dynamic dashboards to manage credit risk and asset quality. The goal is to achieve a sustainable business model and profitability for the Bank.

PRINCIPAL ACCOUNTABILITIES:

• Custodian of Credit Risk Models for Retail and Non-Retail segments and Credit Scorecard System.
• Develop, monitor, and recalibrate credit risk models.
• Validate scorecards developed by external vendors and perform periodic reviews.
• Review scorecard reports and recommend measures to mitigate credit risk concerns.
• Drive analytics to identify trends, patterns, and anomalies for credit decision-making.
• Collaborate with Business Units, Finance, and IT to ensure model integration and effectiveness.
• Monitor model performance for accuracy and compliance with policies and regulations.
• Document model development processes, methodologies, and results for stakeholders and regulators.
• Present findings and recommendations to senior management.
• Ensure risk compliance across the Bank, adhering to statutory and internal regulations.
• Provide advisory services on credit scorecard matters.
• Contribute to revising product policies, credit processes, procedures, and guidelines.
• Validate Expected Credit Loss (ECL) models for alignment with policies.
• Continuously improve credit risk management practices.
• Propose remedial actions for issues raised by BNM on the Bank’s CRR.
• Participate in system enhancements and projects to meet policy and regulatory requirements.
• Perform data automation tasks and develop dashboards, collaborating across departments.

QUALIFICATIONS & REQUIREMENTS:

• Education: Bachelor’s Degree in Finance, Mathematics, Actuarial Science, Economics, or related fields; Master’s degree or certifications are a plus.
• Experience: 7-10 years in credit risk modeling, with strong leadership and independent working skills.
• Proficiency in R, Python, SAS, or similar statistical tools.
• Strong analytical, problem-solving, and communication skills.
• Knowledge of credit operations, risk management, and financial products.
• Fluent in English and Bahasa Malaysia.

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At Agrobank, our mission is to provide comprehensive financial services, focusing on the agricultural sector, with a network of 190 branches nationwide and over 3,400 employees.