Head of Credit Risk Management Division

Job Description

Title: Head of Credit Risk Management Division

Company Name: A well-established and progressive commercial bank

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• At least 12 years
• The applicants should have experience in the following business area(s): Banks, Share Brokerage/ Securities House

• Master of Commerce (MCom) in Finance
• Bachelor of Business Administration (BBA)

• Master’s in Finance, Economics, Business Administration, or related field. Credit certification will be an added advantage.

• At least 12 years
• The applicants should have experience in the following business area(s): Banks, Share Brokerage/ Securities House

• Minimum 12 years of banking experience, with at least 5 years in credit risk or credit appraisal/review functions in a scheduled commercial bank.

• Deep understanding of Bangladesh Bank’s credit risk regulations, loan classification norms, and provisioning requirements.

• Hands-on experience with corporate lending, SME, and retail credit risk management practices.

• Knowledge of credit scoring models, risk rating systems, and credit analytics tools.

• Strong analytical, decision-making, and documentation skills with a high standard of ethical integrity.

A well-established and progressive commercial bank in Bangladesh is inviting applications from dynamic, experienced, and forward-looking professionals for the following key leadership positions. These roles are critical to our continued commitment to strong governance, innovation, and sustainable growth in Bangladesh’s competitive banking landscape.

Job Description:

The Head of Credit Risk Management (CRM) will be responsible for developing, implementing, and overseeing the credit risk management framework of the bank in accordance with Bangladesh Bank regulations, internal credit policy, and international best practices. The role includes assessing and mitigating credit risk across the bank’s entire portfolio (Retail, SME, and Corporate), ensuring a strong credit culture and robust credit approval, monitoring, and review processes.

Responsibilities:

• Develop and maintain the bank’s Credit Risk Management Policy and procedures in line with Bangladesh Bank’s Core Risk Management Guidelines and Basel III standards.
• Evaluate credit proposals independently and objectively, ensuring alignment with the bank’s credit risk appetite and regulatory guidelines.
• Monitor and assess portfolio-level risks, concentration risks, sectoral exposures, and early warning signals (EWS).
• Conduct regular credit reviews and portfolio stress testing to identify vulnerable sectors or borrowers.
• Oversee the internal credit rating/scoring system and ensure accurate risk grading.
• Work closely with the business, special assets, and legal teams to structure and mitigate risk in complex credit cases.
• Provide input on credit underwriting standards, risk-adjusted pricing, and exposure limits.
• Ensure compliance with Bangladesh Bank's loan classification and provisioning guidelines.
• Prepare and submit CRM reports to the management, Board Risk Management Committee (BRMC), and Bangladesh Bank as required.
• Participate in credit committees and support strategic decisions on credit growth versus risk exposure.
• Provide training and guidance to credit risk analysts and credit officers across the bank.