Senior Credit Risk Manager (Secured Lending)
About this position
Responsibilities
Key Responsibilities
Credit Underwriting
Key Activities:
• Define and implement Risk Acceptance Criteria (RAC) and/or credit underwriting limit/criteria for all loan products—conventional, digital, and channelling.
• Conduct credit assessments to cover at least the 5C principles (Character, Capacity, Capital, Collateral, Conditions).
• Collaborate with product and analytics teams to refine credit scoring models for digital lending.
• Regularly evaluate restructuring applications to mitigate potential risks.
Deliverables:
• Documented RAC policies that align with the bank’s risk appetite and business goals.
• Comprehensive creditworthiness reports, including customer credit ratings and financial health assessments.
• Updated and optimised credit scoring models, validated for accuracy and efficacy.
• Recommendations on restructuring proposals with quantified risk impacts.
Risk Assessment to Support Growth Strategies
Key Activities:
• Evaluate and assess the risk-reward profile of loan partnerships, including syndication and execution of credit facilities in a form of risk management opinions.
• Collaborate with business development and credit teams to align loan partnerships with the bank’s risk limits and overall appetite.
• Provide strategic guidance on pricing, structuring, and terms of loan deals to optimise risk-adjusted returns as well as working with Credit Risk Analysts to set up loss rates monitoring and early warning systems.
Deliverables:
• Comprehensive risk assessment reports for loan partnerships, detailing risk exposure, expected returns, and alignment with the bank’s strategic goals.
• Recommendations for structuring syndicated loans or other partnership-based credit facilities to maximise portfolio quality.
• Regular presentations to the Risk Management Committees on Key Risk Indicators (KRIs) relating to credit risk and portfolio exposures.
Credit Risk Modelling
Key Activities:
• Develop and refine models such as PD (Probability of Default), LGD (Loss Given Default), and EAD (Exposure at Default) for precision risk assessments.
• Leverage data analytics to predict and mitigate risk exposures.
Deliverables:
• Fully validated credit risk models tailored to digital and channelling loans.
• Periodic model performance reviews and recalibrations, with clear documentation.
Regulatory Compliance and Engagement
Key Activities:
• Engage regularly with regulatory bodies, particularly OJK, to maintain compliance with standards.
• Stay updated on regulatory changes and their implications for credit risk management.
• Prepare for regulatory audits and inspections with comprehensive documentation
Requirements
• Proven experience in credit risk management, particularly in secured lending.
• Strong analytical skills with a focus on financial analysis and risk assessment.
• Excellent communication and collaboration skills to work with cross-functional teams.
• In-depth knowledge of regulatory requirements and compliance standards.
• Proficiency in credit risk modelling and data analytics.