Head of Credit Risk Management (CRM) VP - EVP

Job Description

Title: Head of Credit Risk Management (CRM) VP - EVP

Company Name: SHIMANTO BANK PLC

Vacancy: --

Age: 40 to 50 years

Job Location: Dhaka

Salary: Negotiable

Experience:

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

• Minimum Master’s degree in Business  from any reputed university

• 3rd division or 3rd class in any exam are discouraged from applying

• Educational requirements may be relaxed for relevant and experienced candidates

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

• Age 40 to 50 years

• Experience: A minimum of 12 years of progressive experience in credit risk management within the Banking sector.

• Leadership: Proven leadership qualities with a track record of successfully guiding and developing high-performing teams.

• Analytical Skills: Strong analytical, quantitative and judgmental skills to make sound credit decisions based on risk levels.

• Interpersonal Skills: Excellent interpersonal and communication skills for effective stakeholder management.

• Regulatory Acumen: In-depth, expert knowledge of the Bangladesh Bank's regulatory framework, including guidelines on credit risk management, loan classification, provisioning, and Basel III implementation.

• Problem Loan Management: Demonstrable expertise in managing non-performing loans (NPLs), including formulating effective restructuring, recovery, and legal strategies.

• Diverse Product Knowledge: Comprehensive understanding of a wide range of credit products, including corporate, SME, retail, trade finance, and syndicated loans.

• Financial Modelling: Proficiency in financial modelling, stress testing, and portfolio analytics.

• Economic Insight: A strong grasp of macroeconomic trends and their potential impact on the bank's credit portfolio.

• Education & Certification: A Master's degree in Finance, Business Administration (MBA), Economics, or a related discipline is strongly preferred. Professional certifications such as Chartered Financial Analyst (CFA) or Financial Risk Manager (FRM) will be considered a significant advantage.

• Oversee implementation of credit policies, procedures, and controls across Corporate, SME, and Personal Banking segments.

• Ensure maintenance of asset quality and strict adherence to regulatory requirements.

• Appraise and recommend (if applicable ) the credit proposals.

• Provide expert opinion on credit matters to business units CRMC and senior management

• Monitor account conduct, sanction terms, detect early warning signals, and manage credit risk proactively.

• Supervise recovery and regularization of past due & non-performing loans (NPLs).

• Ensure proper training and competency of lending staff.

• Develop credit risk mitigation strategies and monitor portfolio health.

• Conduct portfolio reviews, identify concentration risks, and support stress testing.

• Negotiable

• Other benefits are as per the Bank’s Human Resources Policy