VP, Credit Operational 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

Perform end to end review of credit policies across consumer products to improve asset quality, customer experience and operational efficiency.

Perform end to end review on credit processes and credit underwriters’ effectiveness and efficiency including standardisation of credit policy application to minimize credit judgment gaps.

Conduct portfolio analysis to postmortem credit weaknesses and leakages that caused impairment. Recommend corrective actions on credit policies and processes.

Enhance credit control processes and building leading indicators and /or control tower performance MIS to monitor team daily and hourly efficiency including detect fraudulent application, forged support documents, cultured fraud and etc to improve impairment rate and asset quality.

Minimise credit losses, delinquencies and impairment through early identification of underwriting weaknesses and control gaps.

Monitor credit quality trends and identify potential risks that may impact portfolio performance and profitability.

Evaluate the effectiveness of credit risk controls to ensure sustainable portfolio growth within the approved risk appetite.

Customer (Internal and/or External)

Serve as a trusted advisor to stakeholders such as Business, Risk, Operations and Compliance on credit governance and quality assurance matters.

Collaborate with business and credit teams to strengthen credit assessment capabilities and decision quality while maintaining independent oversight.

Promote a customer-centric approach by balancing sound risk management with business growth objectives.

Process / Well-Managed

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.

Compliance

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.

Job Requirements

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.

Since our founding in August 1975, AmBank Group has grown into one of Malaysia’s largest banking groups by market capitalization. Our dynamic ecosystem includes:

At AmBank Group, we believe that diversity fuels innovation, and creativity drives progress. Our P2ACE Employee Value Proposition—Principled, Proactive, Appreciative, Collaborative, and Experimental—is the heartbeat of our culture. It shapes how we work, how we grow, and how we make a difference.

We’re on the lookout for motivated, agile, and ambitious individuals who are ready to challenge the norm and shape the future of banking.

Join us. Fly High Together with us

Since our founding in August 1975, AmBank Group has grown into one of Malaysia’s largest banking groups by market capitalization. Our dynamic ecosystem includes:

At AmBank Group, we believe that diversity fuels innovation, and creativity drives progress. Our P2ACE Employee Value Proposition—Principled, Proactive, Appreciative, Collaborative, and Experimental—is the heartbeat of our culture. It shapes how we work, how we grow, and how we make a difference.

We’re on the lookout for motivated, agile, and ambitious individuals who are ready to challenge the norm and shape the future of banking.