Regional Credit Head – SE Credit

Job Description

Title: Regional Credit Head – SE Credit

Company Name: Bank Asia PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

Published: 2026-01-29

Application Deadline: 2026-02-07

Education:

• 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.

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

• Experience: 10–15+ years of experience in credit risk or credit management within Banks or NBFIs, with strong exposure to SME/Small Enterprise lending and regional oversight.

• Credit Expertise: Deep understanding of SME credit underwriting, delegated authority frameworks, portfolio risk management, and credit governance.

• Leadership Skills: Proven ability to lead senior credit professionals and influence stakeholders while maintaining strong risk discipline.

• Judgment & Decision-Making: Ability to take sound credit decisions within delegated authority and provide balanced risk recommendations on escalated cases.

• Behavioral Skills: Strong communication, escalation judgment, stakeholder management, and ability to balance risk control with business growth.

Credit Governance, Approval & Escalation

• Oversee all credit appraisal, approval, and monitoring activities across the region to ensure compliance with credit policies and regulatory guidelines.

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

• Exercise delegated credit approval authority within assigned limits in line with internal approval matrices and risk appetite.

• Review, challenge, and approve credit proposals escalated by Manager – Credit within delegated authority.

• Recommend credit proposals exceeding delegated authority to the Head of Small Enterprise Credit or appropriate Credit Committees with clear risk views and mitigants.

• Ensure consistent application of underwriting standards and risk assessment methodologies across the region.

Portfolio Risk Management & Oversight

• Monitor regional portfolio performance, asset quality trends, concentration risks, and early warning indicators.

• Ensure effective oversight of restructurings, renewals, and policy exceptions within the region.

Leadership & Credit Culture

• Provide leadership and direction to Manager – Credit and indirectly to Credit Analysts/Risk Managers.

• Foster a strong risk culture emphasizing independence, accountability, and disciplined credit decision-making.

• Support talent development, succession planning, and capability building across the regional credit team.

Stakeholder Engagement & Partnership

• Act as the regional credit risk partner to business leadership while maintaining independence of credit judgment.

• Support strategic initiatives by providing regional credit insights and risk perspectives to senior management.

Reporting, Escalation & Governance

• Escalate material credit risks, policy breaches, and portfolio concerns to the Head of Small Enterprise Credit in a timely manner.

• Review and validate regional MIS, portfolio dashboards, and credit risk reports.

• Support internal audits, regulatory inspections, and governance reviews related to regional credit activities.

• Process Improvement & Framework Enhancement

• Ensure consistent implementation of credit processes, tools, and frameworks across the region.

• Recommend enhancements to credit policies, approval matrices, and monitoring practices based on regional experience and risk trends.

• Ensure timely communication and implementation of policy or regulatory changes.

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