Head of Small Enterprise Credit

Job Description

Title: Head of Small Enterprise Credit

Company Name: Bank Asia PLC

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

• Masters

Post-Graduation from any reputed Public/ Private University or College with minimum Second Class/division in all examinations. No 3rd division/ class is allowed.

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

• Education: Post-graduate degree in Business Administration, Finance, Accounting, or a related field.

• Experience: 12–15+ years of experience in credit risk or credit management within Banks or NBFIs, with deep expertise in SME/Small Enterprise lending and senior leadership exposure.

• Credit Expertise: Strong command of SME underwriting, portfolio risk management, post disbursement monitoring, regulatory frameworks, implementation and credit governance.

• Credit Technology & Analytics: Oversee implementation of credit technology platforms, loan origination systems, and credit scoring model.

• Leadership Skills: Proven ability to lead large team and manage stakeholders.

• Strategic & Analytical Skills: Ability to balance portfolio-level risk management with business growth objectives.

• Behavioral Skills: High integrity, sound judgment, strong communication, executive presence, and decision-making under pressure.

Credit Strategy & Risk Governance

• Define and implement the credit risk strategy, underwriting standards, and risk appetite for Small Enterprise lending.

• Establish and maintain robust credit governance frameworks, approval matrices, and delegated authority structures.

• Ensure alignment of Small Enterprise credit policies with enterprise-wide risk management standards and regulatory requirements.

• Act as the final authority or senior recommender on large, complex, or high-risk credit proposals.

Credit Approval & Oversight

• Exercise credit approval authority within delegated limits and recommend proposals beyond delegation to higher governance forums or the Board, as applicable.

• Provide final review and guidance on escalated credit proposals from Regional Credit Heads.

• Ensure consistent and independent credit judgment across all regions and business units.

Portfolio Management & Asset Quality

• Conduct client meetings and on-site pre and post visits to gather qualitative insights and validate quantitative and operational information based on delegation matrix.

• Oversee the performance and quality of the Small Enterprise credit portfolio, including delinquency trends, NPAs, restructurings, and concentration risks.

• Guide strategies for portfolio diversification and risk mitigation.

• Ensure effective monitoring frameworks, early warning systems, and corrective action processes.

Leadership & Credit Culture

• Lead and develop the Small Enterprise credit organization, including Regional Credit Heads and senior credit leaders.

• Foster a strong risk culture emphasizing discipline, accountability, independence, and ethical conduct.

• Support talent development, succession planning, and capability building within the credit function.

Stakeholder & Business Partnership

• Act as a strategic partner to Business Heads while maintaining independence of credit decision-making.

• Represent the Small Enterprise credit function in senior management committees, risk forums, and governance bodies.

• Provide strategic credit insights to executive leadership to support business planning and growth initiatives.

Regulatory, Audit & Compliance

• Ensure full compliance with regulatory guidelines, internal policies, and supervisory expectations.

• Lead responses to regulatory inspections, internal audits, and external reviews related to Small Enterprise credit.

• Ensure timely remediation of audit findings and policy exceptions.

Process, Systems & Framework Enhancement

• Drive continuous improvement in credit processes, tools, scorecards, and risk assessment methodologies.

• Oversee implementation of credit technology platforms, loan origination systems, and MIS enhancements.

• Promote data-driven decision-making across the credit function.

Attractive salary and incentives will be offered along with sound career growth prospects.