Credit Risk Manager (2LoD)

Job Role: Credit Risk Manager (2 LoD), KAF DIGITAL BANK

Job Summary

This is a retail banking role in the second line of defense, where the officer is responsible for

assessing and managing credit exposures within the bank. The role ensures that credit risks

are appropriately identified, measured, monitored, and controlled in accordance with the

bank's policies and Bank Negara Malaysia's regulatory guidelines. Experience in PD, EAD,

LGD, ECL modelling, CRWA, Basel III, and MFRS 9 is a must.

Key Responsibilities

1) Credit Risk Monitoring

Monitor the overall credit exposure, identifying trends, concentrations, and potential

areas of concern.

2) Reporting

Generate regular credit risk reports

Alert senior management to breaches of credit risk limits or thresholds.

3) Limit Monitoring

Ensure that credit exposures remain within established limits.

4) Risk Models & Tools

Utilize bank systems and tools to facilitate the credit risk assessment process.

Develop/ Assist in the MFRS 9 reporting process.

5) Policy & Procedure

Develop/ Assist in the review and development of credit risk policies and procedures.

Ensure that credit decisions align with the bank's risk appetite and regulatory

guidelines.

6) Collaboration

Work closely with the lending or credit origination teams, ensuring that credit

decisions are informed by sound risk analysis.

Engage in discussions with business units regarding credit risk appetites and limi

7) Other Responsibilities

Prepare BNM regulatory reporting

Portfolio & Concentration Risk Management (e.g Concentration Risk)

Prepare reporting for ORION/ KijangNet

Assist to conduct the strategic risk profile exercise of the bank.

Undertake any ad-hoc assignments and tasks as directed by management.

Contribute to the establishment of the Bank Departments Key Risk Indicators (KRIs),

Risk Control Self-Assessments (RCSA), Risk Profiles, and Risk Register

Qualifications and Requirements

Manager - At least 7+years working experience in credit risk management (second defence line)

Requirements

Bachelor's degree in Finance, Economics, Risk Management or a related field.

Familiarity with Malaysian regulatory requirements and guidelines for Islamic banking institutions.

Ability on analytical and problem-solving skills, with assess and address risk scenarios.

Good communication and interpersonal skills, with the ability to collaborate effectively

with various stakeholders.