Vice President, SME Risk Specialist

Alliance Bank Malaysia Berhad; Kampung Cendana; On-site; MYR 100,000 - 150,000; Full time

Job summary

A leading Malaysian bank is seeking a Vice President, SME Risk Specialist to develop risk strategies and enhance credit policies. The candidate should have at least 8 years of experience in credit risk management, with strong analytical skills and knowledge of SME banking. This role contributes directly to the growth of small and medium enterprises by managing and mitigating financial risks effectively.

Benefits

Comprehensive training and development programs

Performance-based bonuses

Health and medical insurance coverage

Qualifications

• Minimum 8 years of experience in credit risk management.
• Experience with Moody's and S&P credit ratings is advantageous.
• At least 5 years work experience with Internal Audit related to credit.

Responsibilities

• Shape banking risk strategies and enhance credit policies.
• Lead initiatives to identify new key risk areas in SME and Corporate Banking.
• Oversee development of products and policies to mitigate risk.

Skills

Analytical and problem solving skills

Effective communication skills

Interpersonal skills

Resourceful and adaptable

Education

Tertiary Graduate or Qualified Professional

Job description

This job is for a Vice President, SME Risk Specialist at Alliance Bank Malaysia. You might like this job because you’ll shape banking risk strategies, enhance credit policies, and make a real impact on the growth of small and medium businesses.

Alliance Bank Malaysia Berhad and its subsidiary, Alliance Islamic Bank Berhad, offers banking and financial solutions through its Consumer, SME, Commercial, Corporate and Islamic banking. The Bank provides easy access to its broad base of customers throughout the country via multi-pronged delivery channels that include retail branches, Privilege Banking Centres, Business Centres, Investment Bank branches, and mobile and Internet banking.

We are currently seeking a high caliber professional to join our Group Credit Risk department under Group Risk Management division as a Vice President, Credit Risk Policy.

The Role

A successful candidate in this position, being the Subject Matter Expert for Small Medium Enterprise (SME), Commercial and Corporate Banking, will be accountable for aligning risk controls to strategic areas of growth through design of risk methodologies, implementation of risk frameworks and risk control solutions.

Job Description

Subject Matter Expert (SME) for the SME, Commercial and Corporate Banking portfolios that adds an added dimension to ideation and discussions with the business.

• Lead initiatives and identification of new key risk areas and risk mitigation involving SME, Commercial and Corporate Banking portfolios. Proactive involvement in analyzing and identification of gaps in existing SME, Commercial and Corporate Banking risk policies & procedures for timely risk mitigation action plans.
• Provide value added recommendations through periodic review of core credit policies specific to SME, Commercial and Corporate Banking portfolios.
• Formulate and formalize policies addressing new key risks to support growth of SME, Commercial and Corporate Banking portfolios in a risk conscious culture.

Oversee formulation and development of appropriate products and related policies to ensure the Lines of Business (LOB) are aware of the risk involved and propose to business on appropriate risk mitigations.

• Evaluate SME, Commercial and Corporate Banking product proposals and provide independent risk assessment for sign off.
• Collaborate on business related activities to monitor adherence to the Group’s approved policies / risk limits and regulatory requirements to ensure all activities are being controlled within the limits approved.
• Monitor progress of risk-related deliverables to ensure closure, manage risk, ensure appropriate escalation for "at-risk" action plans to evaluate solutions and verify that key stakeholders are kept informed about the progress and expected outcomes of various business engagements.

Lead/introduce innovative approaches, tools and practical risk controls by employing relevant data analytics tools.

• Analyse various related reports to support management in decision making.
• Represent Group Risk at meetings and forums related to the area of expertise which will include both internal and external audience. Prepare input/participate in business strategy/project meetings.
• Enhance the methodology and approach to Risk Management for the management of the designated portfolio.
• Execute projects/initiatives assigned by GCRO to improve internal processes.

Job Requirements

Skills

• Strong analytical and problem solving skills with aptitude for logic.
• Effective communication skills, both written and oral.
• Excellent interpersonal skills.
• Resourceful and adaptable in a changing environment.

Knowledge

• Strong knowledge of SME, Commercial and Corporate business products/operations.
• Strong knowledge of credit risk management approaches/techniques.
• Knowledge of credit underwriting approaches/techniques.
• Sound knowledge of relevant regulations governing SME, Commercial, Corporate business and risk management.
• Awareness of best practices and market trends.

Experience

• Tertiary Graduate or Qualified Professional with at least 8 years of experience with exposure to credit risk management and regulatory policy requirements.
• Experience in Moody's and S&P credit ratings will be advantageous.
• At least 5 years work experience with Internal Audit (credit related).
• At least 8 years work experience in Credit Risk Rating (Preferably Moody's and/or S&P).
• This position is open to Malaysian citizens only.

Company Benefits

Career Development and Growth:

Comprehensive training and development programs.

Competitive Compensation and Benefits

Performance-based bonuses and incentives. Health and medical insurance coverage for employees and their dependents.