Vice President, Credit Risk - Credit Management - Commercial MY

Supervise and effectively leverage on non-retail credit risk management Tools including, but not limited to, Rating Methodology, Early Warning Indicators (EWI), Risk Acceptance Criteria (RAC), Country Sector Limit, Stress Testing, JDA Framework and Non-Retail Credit Risk Portfolio Reporting, so as to ensure a robust and independent underwriting, approval and portfolio review process that is aligned with Board approved Risk Posture and Risk Appetite.

Keep abreast of market and regulatory developments that could impact underwriting standards and asset quality. Make recommendations for changes in the various Tools as required.

Ensure timely initiation of client and / or portfolio reviews using the EWI framework, and timely and accurate classification of Watch List names, inclusive of corrective actions steps by the SBU’s.

Ensure appropriate application and usage of the Joint Delegated Approval Framework.

Business Performance and Management

Manage underwriting and portfolio quality by working closely with Business Units to ensure Tools are understood and implemented.

Engaged in back testing of program lending programs (if necessary).

Work closely and constructively with key stakeholders by building strong relationships and contributing to the Bank’s success from a non-retail credit scope.

Any other responsibilities / task as assigned by HOD / Deputy HOD from time to time.

People Management

Take an active role in the development of people through the KPI, performance management processes and learning and development opportunities.

Be an engaged leader by setting the tone from the top that facilitates an environment of empowerment and motivation.

Regulatory Compliance

Ensure credit approvals are done in compliance with all relevant regulatory requirements.

To engage with internal / external audits as well as regulators (where relevant).

Be actively involved and encourage the self-identification of operational risk issues (where relevant).

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Banking & Financial Services More than 10,000 employees

CIMB Group is one of ASEAN’s leading universal banking groups and is Malaysia’s second largest financial services provider, by assets. It offers consumer banking, commercial banking, investment banking, Islamic banking and asset management products and services. Headquartered in Kuala Lumpur, the Group is present in all 10 ASEAN nations (Malaysia, Indonesia, Singapore, Thailand, Cambodia, Brunei, Vietnam, Myanmar, Laos and Philippines). Beyond ASEAN, the Group has market presence in China, Hong Kong, India, Sri Lanka, Korea, the US and UK.

CIMB Group has the most extensive retail branch network in ASEAN approximately of 720 branches as at 30 September 2019. CIMB Group’s investment banking arm is also one of the largest Asia Pacific-based investment banks, offering amongst the most comprehensive research coverage around of 600 stocks in the region.

CIMB Group operates its business through three main brand entities, CIMB Bank, CIMB Investment Bank and CIMB Islamic. CIMB Group is also the 92.5% shareholder of Bank CIMB Niaga in Indonesia, and 94.8% shareholder of CIMB Thai in Thailand.

CIMB Group is listed on Bursa Malaysia via CIMB Group Holdings Berhad. It had a market capitalisation of approximately RM48.9 billion as at 30 September 2019. The Group has around 36,000 employees located in 16 countries.

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