Credit Risk Manager

Job Role: Credit Risk Manager (2 LoD), KAF DIGITAL BANKJob SummaryThis is a retail banking role in the second line of defense, where the officer is responsible forassessing and managing credit exposures within the bank. The role ensures that credit risksare appropriately identified, measured, monitored, and controlled in accordance with thebank's policies and Bank Negara Malaysia's regulatory guidelines. Experience in PD, EAD,LGD, ECL modelling, CRWA, Basel III, and MFRS 9 is a must.Key Responsibilities1) Credit Risk Monitoring Monitor the overall credit exposure, identifying trends, concentrations, and potentialareas of concern.2) Reporting Generate regular credit risk reports Alert senior management to breaches of credit risk limits or thresholds.3) Limit Monitoring Ensure that credit exposures remain within established limits.4) Risk Models & Tools Utilize bank systems and tools to facilitate the credit risk assessment process. Develop/ Assist in the MFRS 9 reporting process.5) Policy & Procedure Develop/ Assist in the review and development of credit risk policies and procedures. Ensure that credit decisions align with the bank's risk appetite and regulatoryguidelines.6) Collaboration Work closely with the lending or credit origination teams, ensuring that creditdecisions are informed by sound risk analysis. Engage in discussions with business units regarding credit risk appetites and limi7) Other Responsibilities Prepare BNM regulatory reporting Portfolio & Concentration Risk Management (e.g Concentration Risk) Prepare reporting for ORION/ KijangNet Assist to conduct the strategic risk profile exercise of the bank. Undertake any ad-hoc assignments and tasks as directed by management. Contribute to the establishment of the Bank Departments’ Key Risk Indicators (KRIs),Risk Control Self-Assessments (RCSA), Risk Profiles, and Risk RegisterQualifications and RequirementsManager - At least 7+years working experience in credit risk management (second defence line)RequirementsBachelor’s degree in Finance, Economics, Risk Management or a related field.Familiarity with Malaysian regulatory requirements and guidelines for Islamic banking institutions.Ability on analytical and problem-solving skills, with assess and address risk scenarios.Good communication and interpersonal skills, with the ability to collaborate effectivelywith various stakeholders.