Head of Credit and Climate Risk Analytics - TJ / 1902307

Recruit AI; Karachi Division; On-site; PKR 4,000,000 - 7,000,000; Full time

Job summary

Sindh Bank Limited is seeking a seasoned professional to head Credit and Climate Risk Analytics within the Enterprise Risk division in Karachi. The role focuses on overseeing credit risk analytics, portfolio monitoring, and climate-related financial risk assessments across the credit portfolio.

The incumbent will develop and enhance risk models and analytical tools, monitor portfolio quality, conduct stress testing, and prepare analytical risk reports for informed decision-making and regulatory

Qualifications

• Minimum graduate with MBA preferred in Banking/Finance/Actuarial/Environmental Sciences
• Experience in risk management and regulatory reporting is required
• Strong analytical and modeling abilities for credit and climate risk

Responsibilities

• Lead and supervise model development for credit risk rating templates.
• Oversee data availability, template validation and alignment with portfolio risk profiles.
• Prepare MIS and regulatory reports to senior management.
• Coordinate regulatory reporting with SBP Basel II/III and IFRS-9 standards.
• Support training for staff on risk rating procedures.

Skills

Credit risk analytics

Data analysis

Regulatory reporting

Stakeholder communication

Education

MBA (Banking/Finance/Actuarial/Environmental Sciences)

Bachelor's degree

Tools

IFRS-9 modeling

SBP Basel II/III reporting

Portfolio management systems

Job description

Our client Sindh Bank is looking for a Head of Credit and Climate Risk Analytics in Karachi

Sindh Bank Limited is seeking an experienced professional for the position of Unit Head Credit and Climate Risk Analytics (Enterprise Risk) in its Risk Management Division. The incumbent will be responsible for overseeing credit risk analytics, portfolio monitoring, and the assessment of climate-related financial risks across the Bank's credit portfolio. The role involves developing and enhancing credit risk assessment models and analytical tools, monitoring portfolio quality and concentration risks, conducting stress testing and scenario analysis, evaluating the potential impact of climate-related risks on credit exposures, and preparing analytical risk reports to support informed decision-making, effective risk management, and compliance with applicable regulatory requirements.

Sindh Bank Limited is an equal opportunity employer and encourages applications from all eligible and qualified candidates, including persons with disabilities, irrespective of gender or religion.

Responsibilities

• Lead and supervise the model development process including segmentation analysis to define customer risk groupings and determine the number and type of rating templates required.
• Assess data availability and oversee the selection and validation of rating templates ensuring alignment with portfolio risk profiles.
• Coordinate the development of analytical tools involving sample selection, data analysis, model validation, and testing to enhance model accuracy.
• Identify and implement overrides and mechanisms to handle exceptions within risk rating processes.
• Prepare and deliver comprehensive credit, environmental, and social risk MIS reports, exception reports, and rating concentration reviews to senior management.
• Design and oversee processes for reviewing data inputs into portfolio management tools and MIS reports to guarantee reliability for risk-based decisions.
• Facilitate collaboration with relevant departments to implement credit risk management and portfolio management system requirements related to rating assignments and reporting.
• Monitor and evaluate existing rating templates and propose enhancements based on changing portfolio quality, economic trends, and strategic priorities.
• Supervise the preparation and timely submission of regulatory reports to SBP, ensuring accuracy and compliance with Basel II/III and IFRS-9 standards.
• Maintain ongoing communications with data owners across the bank to ensure prompt and accurate data submission for regulatory reporting.
• Act as the key contact for SBP regarding guidance on regulatory reporting practices and Basel framework implementations.
• Regularly review and update credit risk rating criteria and related frameworks to reflect portfolio dynamics and regulatory requirements.
• Support training initiatives for bank staff on risk rating procedures, ensuring accuracy and consistency in risk data and framework adherence.
• Assist internal and external audit teams, compiling audit observations within set deadlines and communicating findings effectively.
• Coordinate with multiple internal stakeholders to streamline data submission processes and conform to audit and regulatory expectations.
• Brief senior risk management leadership on the results of regulatory reports covering capital adequacy, credit risk and climate risk stress testing outcomes.
• Collaborate with functions engaged in model development, rating template refinement, and credit portfolio reporting to support comprehensive risk assessment.
• Coordinate system and application implementations relevant to credit risk modeling and provide periodic management information system (MIS) reports, especially aligned with IFRS-9 and Management Risk Management Committee presentations.
• Prepare relevant models and contribute input for IFRS-9 implementation with a focus on credit risk impact analysis.
• Perform additional duties assigned by the Head of Risk Management Division to support broader risk management objectives.

Experience :

Minimum 3 Years Banking Experience In Risk Management Division

Qualification :

Minimum graduate, preferably MBA (Banking,Finance, Actuarial / Environmental Sciences from a recognized university

Age :

Upto 50 years