Credit Risk Senior Manager

·       Develop the annual business plans for the department ensuring alignment to the function’s strategic plan.

·       Contribute to the formulation and implementation of the strategy in line with EMKAN’s vision, mission and Business Focus Areas.

·       Report on the progress of activities against the annual business plans, opportunities, challenges and issues faced, mitigations taken, etc. as required, to facilitate informed decision-making.

·       Build and lead a motivated, engaged and competent manpower throughout the division, by setting priorities and objectives, managing performance, and providing ongoing feedback and coaching to meet the departmental challenges and goals.

·       Serve as a role model for the Credit Risk to ensure employees awareness and commitment to EMKAN’s vision, mission, values, EMKAN fundamentals and corporate strategy to establish a highly engaged and motivated manpower, and continuously improve performance.

·       Manage Credit Risk staff and teams by overseeing their performance management, recruitment, training and development to ensure high levels of engagement and competence and motivated work environment.

·       Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.

·       Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets

·       Bachelor’s degree in Finance, Business Administration, or any other relevant field (Master’s degree is preferred).

·       Minimum of 10-12 years of relevant experience in Credit Risk Function.  

·       Understanding of lending strategies and business models, especially Personal finance, Auto lease, Credit Cards and SME.

·       Knowledge of credit assessment, credit policy, underwriting, risk management, and portfolio management tools and processes including scoring models and profitability models

·       Experience in focus on quality growth and member service while maintaining an appropriate risk/return balance

·       Exhibits excellent analytical, multi-tasking, and time management skills.

·       Ability to lead and motivate cross-functional, interdisciplinary teams to achieve tactical and strategic goals

·       Ability to professionally handle confidential matters.

·       High degree of initiative, dependability, and ability to work under minimal supervision