Head Of Risk Management/ Liquidity Risk/ Credit Risk/ Market Risk (REF:TYL)

Job Description:

Enterprise-Wide Risk

• To formalize and implement the enterprise wide risk management framework and risk governance to manage and control all aspects of risks including credit, operational & technological risks and asset-liability management.

• To articulate the risk appetite for the company for the Board’s approval and formalize and refine the risk appetite framework.

• To recommend appropriate Management Trigger Actions (“MAT”) for the respective risk type, which are in alignment with the approved risk appetite for the Company.

• To identify, monitor, evaluate the Company's risk exposure and recommend strategies and procedures in mitigating these risks.

• To assist in implementing, and performing annual review and update of, risk management policies and procedures.
  To co-ordinate the annual assurance to the Board that the system of internal control and risk management system are adequate and effective.

• To design risk management training for operational units.

• To serve as a member of Assets & Liabilities Committee, Credit Portfolio Committee, Credit Control Committee, Operational & Technology Risk Committee and IFRS 109 Committee. Secretary to the Board Risk Management Committee.

Credit Risk

• To work together with the Marketing team to review and update the Lending Guidelines.

• To review the stress test framework and methodology and supervise the performance of the credit stress tests assumptions and results.

• To review the reports for the Credit Portfolio Committee and the analysis performed.

• To keep abreast with the external credit landscape and provide market intelligence, if possible, and credit alerts, where necessary.

• To level up the credit risk management skills and culture for the company, by rationalizing with respective RMs on the credit assessment for their credit proposal.

• On a transaction level, to review and comment on loan proposals/renewals that deviate from the Company’s Lending Guidelines.

Market & Liquidity Risk

• To review the reports for the Asset & Liabilities Committee and the analysis provided.
  (To provide analysis for the presentation to ALCO and as the secretary to ALCO, in the absence of a permanent Asset-Liability Management officer.)

• To review the stress test assumptions and methodology and supervise the performance of the liquidity stress tests results.

• To review the stress test assumptions and supervise the performance of the interest rate stress tests results.
  To review and update the Contingency Funding Plan and co-ordinate the testing of the plan.