Job Description
Role Responsibilities
Strategy
• Support the Chief Credit Officer / Senior Credit Officer in planning the development of risk parameters for MENAP according to Risk Appetite and Policy Frameworks and documents in the relevant Portfolio Guidelines/Risk Appetite Mandates.
• Support the Chief Credit Officer / Senior Credit Officer in the development of business plans with the provision of cost and impairment forecasts and a balanced judgment on the external environment.
Processes
• Control the portfolio within the set risk parameters to ensure the risk profile is within risk tolerances.
• Ensure credit approvals are within delegated authorities.
• Ensure compliance with applicable internal policies, and external laws and regulations.
• Continuously improve the operational efficiency and effectiveness of the risk management processes.
Risk Management
• Assess the credit risk profile of the Corporate, Commercial & Institutional Banking (CCIB) portfolio, maintaining alignment with risk appetite by rebalancing any risks or controls that may be required in response to internal and external factors.
• Perform stress tests as required by internal and external factors and review results and assess their implications. Ensure that effective management response plans are in place to respond to extreme but plausible scenarios.
• Uphold the integrity of risk/return decisions, by challenging the business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite.
• Direct appropriate responses to material events or other risk issues that come to the Senior Credit Manager s attention.
• Assist the Chief Credit Officer / Senior Credit Officer in exercising risk control responsibility for Credit Risk, for the CCIB businesses in Pakistan.
• Ensure risk capabilities are objective, consistent and compliant with applicable regulations.
• Ensure the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
• Improve BCA TATs and ensure BCAs are renewed in time and BCA overdues and extensions are kept within the thresholds.
Strategy
• Support the Chief Credit Officer / Senior Credit Officer in planning the development of risk parameters for MENAP according to Risk Appetite and Policy Frameworks and documents in the relevant Portfolio Guidelines/Risk Appetite Mandates.
• Support the Chief Credit Officer / Senior Credit Officer in the development of business plans with the provision of cost and impairment forecasts and a balanced judgment on the external environment.
Processes
• Control the portfolio within the set risk parameters to ensure the risk profile is within risk tolerances.
• Ensure credit approvals are within delegated authorities.
• Ensure compliance with applicable internal policies, and external laws and regulations.
• Continuously improve the operational efficiency and effectiveness of the risk management processes.
Risk Management
• Assess the credit risk profile of the Corporate, Commercial & Institutional Banking (CCIB) portfolio, maintaining alignment with risk appetite by rebalancing any risks or controls that may be required in response to internal and external factors.
• Perform stress tests as required by internal and external factors and review results and assess their implications. Ensure that effective management response plans are in place to respond to extreme but plausible scenarios.
• Uphold the integrity of risk/return decisions, by challenging the business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy and risk appetite.
• Direct appropriate responses to material events or other risk issues that come to the Senior Credit Manager s attention.
• Assist the Chief Credit Officer / Senior Credit Officer in exercising risk control responsibility for Credit Risk, for the CCIB businesses in Pakistan.
• Ensure risk capabilities are objective, consistent and compliant with applicable regulations.
• Ensure the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
• Improve BCA TATs and ensure BCAs are renewed in time and BCA overdues and extensions are kept within the thresholds.
💡 Quick Summary
Seeking a career-building opportunity? The Senior Credit Manager position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.