Senior Manager, Credit Risk, Enterprise Risk Management

Job Description

Title: Senior Manager, Credit Risk, Enterprise Risk Management

Company Name: BRAC Bank PLC

Vacancy: --

Age: Na

Job Location: Anywhere in Bangladesh

Salary: --

Experience:

• 8 to 10 years
• The applicants should have experience in the following business area(s): Banks

• Masters
• Bachelor/Honors

• Post graduation/graduation from a reputed institution with a satisfactory academic track record.
• Any professional certification would be an added advantage such as CERM/CFA/FRM etc. or related to Risk Management.

• 8 to 10 years
• The applicants should have experience in the following business area(s): Banks

• 8-10 years of experience in overall activities of Enterprise Risk Management.
• Having knowledge of banking products and banking regulations, laws, etc.
• Expert in customer-centricity, self-propelled, 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 capitalisation, 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 seeks an ambitious, intelligent, purpose-driven, and enthusiastic individual for the following position in its Risk Management Division:

Key Responsibilities:

Risk Management:

• Assisting in formulation and review of credit risk management policies, guidelines, manual, setting up of credit risk appetite, limit, tolerance, MAT etc. with due consideration for sector, industry, geographical location, regulatory limits, best practices, current business and economic conditions.

• Monitoring loan portfolio to ensure good quality asset growth.

• Monitoring credit concentration and ensuring compliance of internal limit.

• Closely monitoring the stressed loans to avoid adverse classification.

• Monitoring and following up overdue loans, SMA loans, NPL, lawsuit cases, written off loans, regular accounts with unsatisfactory repayment, loans having excess over limit, overdue accepted bills, off-balance sheet exposures, forced loans, movement of adverse classification, collateral against loans, credit rating of borrowers, taken over loans etc.

• Using different models for identifying related risks.

• Maintaining liaison with independent internal loan review desk as per revised CRM guidelines and ensuring its proper functioning.

• Identify and manage risks of the relevant stakeholders of the Bank and prepare risk pack and facilitate to the Unit Head for conducting Executive Risk Management Committee (ERMC).

• Collect Risk Update on regular basis from the risk data personnel and update accordingly for ERMC Pack.

• Coordinate and participate in risk discussion meeting as arranged by the risk data update team of the Department.

• Perform forward looking risk review and potential impact on the Bank (both local and global).

• Initiate and coordinate any risk-based project work as assigned by the Head of the Department.

• Assist in performing any other duties as assigned by the Head of the Department as when required basis

Risk Culture:

• Identify and develop Risk Ownership culture across the board.

• Facilitate sharing of risk management best practices across the organization.

• Assist Head of Enterprise Risk Management to perform risk-based awareness sessions, workshop & training for existing staff & new joiners including team members.

Process, Policies & PPG Framework:

• Take initiative upfront to complete the review of existing policy, PPG and Process manual from the respective ownership side.

• Review the policies, processes and PPG and provide feedback timely.

• Prepare Risk Paper on New Policy or Process note, or any other issue assigned by the Head of the Department.

Risk Systems & Projects:

• Initiate/ Coordinate process development/ Automation to bring more efficiency within the team.

• Act as a project manager of various risk projects.

Governance, Risk, and Compliance:

• Timely Submission of internal and external regulatory reporting and compliance