Key Responsibilities:
Credit Policy Governance & Regulatory Alignment
- Manage timely adoption and localisation of Enterprise, Credit & ESG Policies and Procedures with customisation to suit local operations and local regulatory requirements, ensuring policies are aligned with the Bank's risk appetite, business strategy and data-driven insights for Wholesale Banking
- Manage the periodic update, enhancement and review of Enterprise, Credit & ESG Policies and Procedures arising from regulatory compliance and economic / business strategy changes and market practices, including ensuring update of Enterprise, Credit & ESG Policies and Procedures on intranet
- Interpret and embed regulatory requirements from Bank Negara Malaysia into credit policies and processes and ensuring swift responses to regulatory changes
- To undertake the formulation of ad-hoc Enterprise, Credit & ESG Policies and Procedures arising from regulatory compliance and economic/business strategy changes and market practices.
Business Advisory, Stakeholder Engagement & Committee Support
- Engage relevant internal stakeholders from Business Units, Risk Management Units, Operations and support functions to ensure policies are effectively communicated and operationalised.
- Provide expert advisory on the interpretation of credit policies and standards in support to Business Units and CRR (include Audit).
- Review and update the annual Risk Management Chapter, including coordinating with other stakeholders for their contributions
- Support the Credit Risk Management Committee (CRMC), including managing meeting materials, taking minutes and tracking of follow-up actions.
- Represent Group Risk Management in cross-functional, divisional and Bank-wide working groups and initiatives.
- Manage the administration of Lending Authority Limits (LAL) delegation.
Risk Transformation, Strategic Projects & Departmental Oversight
- Support credit transformation initiatives such as digitalisation, automation, data-driven credit decisioning, and customer-journey enhancements.
- Contribute to departmental oversight, including business continuity planning and compliance matters.
- Strengthen operational discipline by reinforcing internal controls and driving continuous process improvements in line with Group Risk Policy objectives.
Job Requirements:
Experience & Qualifications
- Possess a recognized degree preferably in Economics or Business, coupled with minimum 10 years of relevant working experience in Wholesale Banking credit policy, credit risk management, credit approval or corporate lending.
- Strong regional exposure and experience across corporate, institutional, and commercial lending portfolios.
- Prior experience in a major financial institution is highly valued.
Technical Capabilities
- Proven experience in designing, owning or governing credit policies.
- Strong understanding of BNM regulations and the end-to-end corporate credit risk management cycle and control processes.
- Proficient in Microsoft Excel and PowerPoint; comfortable using technology and analytical tools to support policy and risk analysis.
Soft Skills
- Excellent communication, stakeholder management, and influencing skills
- Strong analytical mindset with the ability to translate insights into actionable and pragmatic policy recommendations.
- High level of initiative, sound judgement, and ability to manage multiple priorities in a dynamic environment.
- Strong command of English with excellent writing proficiency.
- Self-driven, structured, outcome-oriented, and capable of driving initiatives independently in a fast-paced environment.
