Risk Manager, Small Credit

Job Description

Title: Risk Manager, Small Credit

Company Name: BRAC Bank PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Masters
• Bachelor/Honors

Post-graduation/Graduation preferably in Business Administration, Finance, Accounting, or a related discipline from a reputed university with a satisfactory academic record.

• At least 5 years
• The applicants should have experience in the following business area(s): Banks

• Minimum 5 years of relevant experience in credit risk assessment or underwriting with hands-on experience in field visits, preferably in SME/Small Business lending.

• Solid understanding of SME lending practices, credit risk frameworks, and regulatory guidelines.

• Strong analytical, report writing, and sound decision-making abilities.

• Demonstrated capability in effective communication, coordination, and stakeholder management.

• Proven problem-solving skills with a customer-centric approach.

• Customer-centric, self-motivated, a team player, and capable of meeting deadlines.

BRAC Bank PLC is a full-service private commercial bank in Bangladesh, aiming to become the most trusted, innovative and inclusive bank, driven by purpose and powered by people. It plays a pivotal role in shaping the country's financial future, with a clear focus on sustainability. With the highest market capitalization, the highest international shareholding and the country’s best credit rating, the bank leads the Bangladesh banking industry in key financial metrics. BRAC Bank is considered the standard bearer of good governance, ethics and values-based banking. BRAC Bank today serves as a trusted partner for individuals and businesses across every segment of the economy - Small & Medium Enterprises (SME), Corporate & Institutional and Retail Banking.

BRAC Bank PLC is currently seeking a highly motivated, intelligent, and purpose-driven professional to join its Risk Management Division in the mentioned position:

Grade: SO -SPO

KEY RESPONSIBILITIES:

• Receive complete loan applications from the business team in accordance with Bangladesh Bank regulations and BRAC Bank’s PPG-Policy guidelines.
• Conduct comprehensive site visits to customers’ business premises to assess creditworthiness and visit guarantors on a case-by-case basis to ensure adequate loan security.
• Perform a 360 degree credit assessment covering business model viability, repayment capacity, financial analysis, seasonality, buyer–supplier relationships, industry dynamics, market behavior, CIB findings, and overall policy compliance.
• Prepare the Credit Approval Memo and facilitate loan approval in line with BRAC Bank’s Delegation of Lending Authority (DLA).
• Ensure timely loan processing by maintaining the standard turnaround time (TAT) for CRM activities.
• Update CRM MIS at each processing stage and maintain regular communication with the MIS team.
• Collaborate effectively with the Small Business Team, Operations, and relevant stakeholders to address bottlenecks and support efficient decision-making.
• Monitor repayments of the loan portfolio assigned to the respective SME Unit Office and associated Relationship Officers/Executives.
• Track repayment behavior of accounts for which the Risk Manager has served as Analyst and/or Approver.
• Identify early warning signals, prepare case studies when necessary, and recommend timely corrective actions.
• Conduct offsite monitoring of portfolio quality and promptly report any irregularities.
• Organize monthly coordination meetings with business and collection teams to review rejected proposals, turnaround time, and portfolio quality.
• Serve as a trainer for business teams on credit assessment standards, risk management policies, and loan documentation procedures.
• Participate in process automation and simplification initiatives to enhance operational efficiency and strengthen risk management practices.