Head of Credit Risk Management Division (EVP-SEVP)

Job Description

Title: Head of Credit Risk Management Division (EVP-SEVP)

Company Name: National Bank Limited.

Vacancy: --

Age: Na

Job Location: Dhaka

Salary: Negotiable

Experience: --

Published: 2026-08-30

Application Deadline: 2026-09-06

Education:

Requirements: --

Skills Required:

Additional Requirements:

Responsibilities & Context:

National Bank PLC is looking for a dynamic, analytical, and risk-focused professional to lead its Credit Risk Management Division, with specialized expertise in Credit Appraisal, Portfolio Risk Assessment, and Regulatory Compliance. The selected candidate will lead the Bank's end-to-end credit risk evaluation process, provide independent risk opinions on credit proposals, and drive key risk management initiatives — including credit risk rating, portfolio stress testing, and early warning monitoring — to safeguard asset quality and align credit risk strategy with the Bank's long-term business objectives, while ensuring strict adherence to Bangladesh Bank guidelines and internal credit policies.

Key Responsibilities:

• Lead the Credit Risk Management Division (CRM) and independently assess credit proposals in line with the Bank's credit policy, Bangladesh Bank guidelines, and Basel III / applicable regulatory frameworks.

• Develop, review and update credit risk policies, guidelines and approval frameworks to ensure sound underwriting standards across corporate, SME, retail and institutional portfolios.

• Provide independent risk opinion on large loan proposals and present recommendations to the Credit Committee, Management and Board Risk Management Committee.

• Monitor the Bank's credit portfolio quality, identify early warning signals, and recommend timely corrective and remedial actions to control classified loans and NPL ratio.

• Conduct portfolio-level stress testing, sensitivity analysis and industry/sector exposure reviews to support proactive risk management.

• Ensure robust implementation of internal credit risk rating models, loan classification and provisioning in line with Bangladesh Bank circulars.

• Liaise with Bangladesh Bank, external auditors, credit rating agencies and other regulatory bodies on credit risk related matters.

• Guide and strengthen the credit approval process, ensuring appropriate checks and balances between business origination and risk assessment functions.

• Lead, train and develop the credit risk team to build strong analytical and credit appraisal capabilities across the Bank.

Educational Requirements

• Minimum Master's Degree in Business Administration, Finance, Economics, Accounting, Banking or a related discipline from a reputed university (local or foreign) with no third division/class or CGPA below 2.50 at any stage of education.

• Professional certification on relevant area will be considered an added advantage.

Required Skills & Competencies

• Strong command of credit analysis, financial statement analysis, and industry/sector risk assessment.

• Thorough knowledge of Bangladesh Bank's credit risk grading (CRG), loan classification and provisioning guidelines, and Basel III capital adequacy framework.

• Excellent judgment, integrity and ability to provide independent, objective risk opinions under commercial pressure.

• Strong leadership, team management and cross-functional coordination skills.

• Effective communication skills for presenting complex credit risk matters to senior management and the Board.