Full Time Senior Manager, Credit Risk Jobs, in BTI Executive Search Kuala Lumpur - Ricebowl

Role Overview

Responsible for leading the development and execution of credit risk strategies, policies and frameworks across the organisation. The role will oversee credit risk management across the customer lifecycle, including credit assessment, underwriting, portfolio monitoring, credit policy and risk appetite.

Key Responsibilities

• Lead the development and implementation of credit risk strategies, policies and frameworks aligned with the organisation's risk appetite and business objectives.
• Oversee credit risk across the customer lifecycle, including origination, underwriting, portfolio management, collections and recovery.
• Develop and review credit policies, lending criteria, risk parameters, approval authorities and credit decisioning frameworks.
• Monitor credit portfolio performance and identify emerging risks through key metrics such as NPLs, delinquency, roll rates, vintage performance, loss rates and concentration risk.
• Establish and monitor early warning indicators and recommend proactive risk mitigation measures.
• Lead credit risk analytics and support the development, validation and implementation of credit scoring, risk segmentation, credit decisioning and predictive models.
• Work closely with Data & Analytics teams to leverage customer and portfolio data to improve credit decisioning and risk-adjusted returns.
• Ensure credit risk practices remain aligned with relevant regulatory requirements, internal policies and industry best practices.
• Prepare credit risk reports, dashboards and management papers for senior management and relevant risk committees.
• Collaborate with Compliance, Internal Audit, Model Risk, Finance, Collections, Operations and Technology teams on credit risk matters.
• Lead and mentor a team of credit risk professionals, fostering strong analytical, commercial and risk management capabilities.

Key Requirements

• Bachelor's degree in Finance, Economics, Mathematics, Statistics, Actuarial Science, Data Analytics or a related discipline. A Master's degree or relevant professional qualification is an advantage.
• Minimum 8 years of relevant experience in credit risk management within banking, financial services, digital banking, consumer finance or fintech.
• Strong experience across credit risk strategy, credit policy, portfolio management and risk analytics.
• Experience working with credit risk models, data analytics or automated credit decisioning would be highly advantageous.
• Good knowledge of regulatory expectations and credit risk governance within the relevant market.
• Experience leading and developing high-performing teams.