VP, Credit Governance & Process Excellence

AmBank Group; Kuala Lumpur; On-site; MYR 180,000 - 300,000; Full time

Job summary

AmBank Group in Malaysia seeks an experienced professional to lead end-to-end reviews of credit policies across consumer products, aiming to improve asset quality, customer experience and operational efficiency. You will assess credit processes and underwriters’ effectiveness, driving standardisation to minimise judgment gaps and impairment.

The role involves portfolio analysis, identifying weaknesses, monitoring credit quality trends, and advising on governance, controls and regulatory

Qualifications

• Bachelor's degree in Finance/ Banking/ Accounting/ Economics/ Business Administration/ Risk Management or related discipline.
• Professional certification such as credit related qualification would be an added advantage.
• Minimum 10 years experience in Credit Risk Management/ Credit Underwriting/ Credit Policy/ Credit Governance/ Credit Assurance or Credit Audit.
• Strong knowledge of retail and/ or commercial credit risk management practices.
• Good Understanding of Bank Negara Malaysia (BNM) guidelines, regulatory requirements and industry best practices.
• Strong analytical and problem-solving skills with the ability to perform root cause analysis.

Responsibilities

• Conduct independent quality assurance reviews of credit applications, approvals and underwriting activities.
• Assess the effectiveness of end-to-end credit processes, controls and decision-making frameworks.
• Identify process inefficiencies, control weaknesses and policy exceptions and recommend appropriate remediation actions.
• Perform thematic reviews, root cause analysis and trend assessments to identify recurring issues and emerging risks.
• Drive continuous improvement initiatives to enhance credit governance and operational efficiency.
• Establish and maintain quality assurance methodologies, review standards and monitoring frameworks.
• Ensure adherence to internal credit policies, delegated authority limits and regulatory requirements.
• Provide independent assurance that credit decisions comply with the Bank's risk appetite and governance standards.
• Support regulatory inspections, internal audits and external reviews by maintaining robust governance documentation and evidence.
• Facilitate the implementation and monitoring of corrective actions arising from audit, regulatory and assurance reviews.
• Promote a strong risk and compliance culture across the credit function through education, awareness and governance oversight.
• Ensure governance frameworks remain current and aligned with evolving business, regulatory and industry requirements.

Skills

Analytical skills

Problem solving

Regulatory knowledge

Stakeholder collaboration

Education

Bachelor’s degree in Finance/ Banking/ Accounting/ Economics/ Business Administration/ Risk Management

Job description

AmBank Group in Malaysia seeks an experienced professional to lead end-to-end reviews of credit policies across consumer products, aiming to improve asset quality, customer experience and operational efficiency. You will assess credit processes and underwriters’ effectiveness, driving standardisation to minimise judgment gaps and impairment.

The role involves portfolio analysis, identifying weaknesses, monitoring credit quality trends, and advising on governance, controls and regulatory