Head of Credit Risk Management (CRM)

Job Description

Title: Head of Credit Risk Management (CRM)

Company Name: Mutual Trust Bank PLC

Vacancy: --

Age: At least 24 years

Job Location: Dhaka

Salary: Negotiable

Experience:

• At least 12 years
• The applicants should have experience in the following business area(s): Banks

• Masters

• Bachelor’s/Master’s degree in a relevant discipline from a UGC-approved university.

• No third division/class or equivalent CGPA is allowed at any stage of the academic career.

• Preferably completed Banking Diploma courses (JAIBB & AIBB)

• At least 12 years
• The applicants should have experience in the following business area(s): Banks

• Age At least 24 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.