Team Head Credit Risk (German Speaker)

Commerz Global Service Solutions; Petaling Jaya; On-site; MYR 240,000 - 320,000; Full time

Job summary

Commerz Global Service Solutions in Malaysia seeks a Credit Risk subject matter expert cum manager to lead a 15–20 person team overseeing SME corporate clients in line with Commerzbank's high credit standards. You will review risk profiles and coordinate with GRM-CC units to ensure quality deliverables.

The role requires strong analytical ability, cross-cultural communication, and HR leadership capabilities, with a focus on governance and process improvements across the risk function.

Qualifications

• Experience in credit risk analysis of corporate clients.
• Experience leading a team of 15–20 analysts.
• Strong English communication; German or other languages desirable.

Responsibilities

• Future oriented trend and risk analysis of the defined customer portfolio.
• Pro-active monitoring of borrowers using risk-adjusted processes.
• Manage SLA reporting on portfolio and team performance.

Skills

Credit Risk Analysis

Team Leadership

Stakeholder Management

Cross-cultural Communication

Project Management

Tools

Excel

MS Word

Job description

Commerz Global Service Solutions is keen to hire a Credit Risk subject matter expert cum manager capable of leading a 15 to 20 persons. You will be responsible for corporate clients (small and medium-sized enterprises) in line with Commerzbank's high credit standards. Please review the "Specialist Knowledge" section to understand more of this roles' requirements.

Key Responsibilities:

• Tasks include future oriented trend and risk analysis regarding business profile, sector specifics and financials of the defined customer portfolio and their peer group.
• Pro-active monitoring of existing borrowers using risk adjusted monitoring processes. This includes receipt and evaluation of sector information.
• Management and SLA Reporting (including ad-hoc requests) on performance of portfolio and team as required.
• Maintain and actively promote Sectoral/Regional knowledge for the specific sectors and region covered.
• Key contact person for GRM-CC units / management team members to liaise about quality of work deliverables (e.g. appropriateness and accuracy of spreading, calculations, ratings and summary analysis) and to discuss / decide about work priorities.
• Ensure high quality standards of work deliverables by actively liaising with other credit risk team heads to incorporate new developments, best practices and to improve process quality.
• Ensure the smooth and efficient running of the team, actively managing the team resources, including meeting both quantitative and quality targets are met.
• Promote constructive interaction of the team with other departments.
• Responsibility for the team members including all relevant HR matters.
• Responsible for promoting a constructive culture of integrity in accordance with Commerzbank internal Guideline.
• Involvement in local corporate governance as required.
• Ensure the team completes training as and when assigned within the stipulated deadline.
• Lead by example, demonstrating core behaviors and values including teamwork, focus, drive, and determination.

Specialist Knowledge:

Leadership and Management

• Lead and manage a department of credit analysts with complex responsibilities.
• Provide targeted development of methodology and expertise within the team and support knowledge transfer beyond team boundaries.
• Take responsibility in cross-functional projects (e.g. as project manager).
• Act as an impulse generator for process and conceptual improvements, including beyond the immediate area of responsibility.

Stakeholder Management and Communication

• Conduct negotiations and manage interactions with internal stakeholders.
• Demonstrate strong interpersonal skills, especially in a cross-cultural environment.
• Enjoy working in diverse, multicultural teams.
• Communicate professionally in written and spoken English; additional languages (e.g. German – mandatory for small- and mid-cap portfolio – as well as French, Spanish, Mandarin) are highly desirable.

Analytical and Professional Expertise

• Bring experience in credit risk analysis of corporate clients.
• Understand and apply global accounting standards and accounting principles.
• Possess strong analytical skills and the ability to understand complex risk issues.
• Have knowledge of financial markets, regulatory requirements, and broader economic relationships.
• Be capable of dealing with issues for which there is no clear-cut solution and making sound, well-founded decisions.

Working Style and Methodology

• Work methodically and in a structured manner, organizing your own work independently.
• Show a high degree of resilience, sense of responsibility, and readiness of mind.
• Demonstrate the ability to work independently while contributing effectively to the team.
• Understand digitalization trends and their impact on credit analysis and risk management.
• Good skills in usage of MS Office applications (Excel, Word) as well as experience in handling data and IT tools.