Head of Credit Risk Management (CRM)

Job Description

Title: Head of Credit Risk Management (CRM)

Company Name: Mutual Trust Bank PLC

Vacancy: --

Age: Na

Job Location: Dhaka

Salary: Negotiable

Experience:

• At least 12 years

Post‑graduate degree in Finance, Accounting, Economics, Business Administration or related discipline from a reputed institution.      

Professional qualifications/certifications in credit, risk management, or related areas (e.g. CA, CFA, FRM, local/international CRM certifications) preferred.

• At least 12 years

12–15 years of banking experience, including 5+ years in senior credit risk/decision-making roles.

Functional competencies: Credit Risk Assessment -Expert evaluation and structuring of complex credit proposals. ·       Regulatory & Policy Compliance -Strong knowledge of Bangladesh Bank rules and risk guidelines. ·       Portfolio Risk Management -Monitoring asset quality, concentrations, early warnings and key risk metrics. ·       Problem Loan Management -Effective restructuring, remediation and recovery of stressed assets.

Behavioral competencies:  Judgment & Decision-Making -Ability to make independent, timely and balanced credit decisions while managing risk and growth pressures. ·       Strategic Thinking - Aligning credit risk strategy, portfolio direction and risk appetite with the Bank’s long-term objectives. ·       Risk Awareness & Integrity - Strong ethical standards, objectivity and commitment to regulatory compliance and sound risk governance. ·       Leadership & People Development - Building a high-performance, risk-aware culture through coaching, accountability and team leadership. 

·       Provide strategic leadership to the Credit Risk Management Division in line with the Bank’s risk appetite and objectives.

·       Design, implement and continuously enhance credit risk policies, frameworks, limits and underwriting standards.

·       Ensure independent, high-quality and timely credit assessment to protect asset quality.

·       Regularly update credit policies and lending guidelines in line with regulations, portfolio trends and strategy.

·       Monitor portfolio diversification, concentrations, risk grades and early warning indicators, and take corrective actions.

·       Track and report key credit risk metrics and portfolio trends to senior management and the Board.

·       Drive effective management, restructuring and recovery of problem and classified loans.

·       Ensure full compliance with Bangladesh Bank regulations, core risk guidelines, Environmental and social risk related compliance, AML/KYC and internal controls.

·       Advise business units on sound credit structures, documentation, credit ratings, covenants and collateral to mitigate risk.

·       Provide strategic guidance towards minimizing average risk weight of the portfolio and reducing credit documentation deficiencies to optimize capital charges.

·       Support ALCO and Board committees with insights on credit risk, stress testing and capital impact.

·       Committee Leadership & Strategic Participation: Serve as Chair/Member across various strategic committees (CRMC, MANCOM, ERMC, CCC, etc.), contributing to high-level decision-making, policy compliance, and organizational sustainability planning.

·       Act as a trusted advisor to MD/CEO and the EC, BRMC, Board on emerging credit risks and strategic decisions.

·       Develop staff capability through training, coaching and a strong risk culture.

·       Coordinate with internal teams, regulators and auditors on all credit risk matters.

·       Lead change initiatives, including digitalization and automation of credit and risk processes.