Senior Credit Officer, Bangladesh

Strategic Planning

• Contribute to the formulation of business plans by providing accurate cost and impairment forecasts alongside a comprehensive analysis of the external macroeconomic and regulatory landscape.
• Assist in shaping the medium to long-term credit risk strategy to align with the bank's overall objectives and risk appetite.

Business Leadership

• Communicate a clear and compelling strategic direction for the credit risk function across all relevant stakeholders.
• Develop and enhance the function's risk management capabilities and skillsets to respond to emerging challenges and evolving business needs.

Process Oversight

• Supervise and optimize all processes for which the credit risk function holds primary ownership, ensuring alignment with internal standards and external regulatory requirements.
• Implement robust operational risk controls within the function to safeguard against potential lapses, ensuring continuous compliance with applicable policies, laws, and prudential standards.
• Drive ongoing improvements in operational effectiveness and efficiency across risk management practices, leveraging technology and best practices where appropriate.

People and Talent Management

• Identify, attract, and nurture high-potential talent in credit risk across International Corporates, Local Corporates, and Global Subsidiaries.
• Define clear job roles, set measurable objectives, and provide structured feedback and development opportunities aligned with individual and team performance.
• Champion the independence of the risk function, upholding professional ethics and ensuring decisions prioritize prudent risk-taking over short-term profits.
• Model exemplary leadership by embedding a culture of integrity, accountability, and shared values within the team and across the broader organisation.

Risk Management

• Ensuring that the quality of Business Credit Applications (BCAs) meets Group standards, particularly with regards to the completeness and depth of risk analysis.
• Approving breaches of Local Portfolio Standards, to the extent permitted by Credit Policy.
• Formulating and obtaining approval of Portfolio Standards which is supportive (from credit risk perspective) of the business strategy of various segments.
• Ensuring Risk Committee meets on a regular basis to review credit related issues in compliance with Group Policy governing such matters and actively participating on that Committee
• Ensuring timely submission and accuracy of International Corporates, Local Corporates and Global Subsidiaries, Bangladesh credit portfolio data to the Risk Committee.
• Monitoring compliance with credit policy and Portfolio Standards on monthly basis at least and reviewing any divergence thereof with the CEO, Client Coverage (CC) Head/Segment Heads to ensure credit quality targets are achieved.
• Ensure compliance to the Operational Risk framework including the effective application of risk toolkit (self-assessments, KRIs, KCSs, etc) and reporting.
• Initiate stress tests as required by internal and external factors and review results and assess their implications
• Uphold the integrity of risk/return decisions, by challenging business to demonstrate that risk origination and control decisions are properly informed and consistent with strategy
• Direct appropriate response to material events or other risk issues that come to the SCO's attention
• Exercise risk control responsibility for Credit Risk, CCIB
• Ensure that material risk exposures and related issues are reported to the responsible governance committees and to Group and business-level committees as appropriate
• Ensure appropriate judgement is applied in the discharge of risk authorities assigned to the jobholder
• Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally and reflected in internal procedures
• Maintain delegated authorities in line with internal policies and ensure that delegations are in line with individual capabilities.
• Actively participate in key committees through standing membership
• Ensure first line process owners understand and accept their risk management responsibilities
• Maintain an open and cooperative relationship in dealings with regulators (if applicable)
• Co-ordinating local resources to ensure that credit systems are installed in accordance with Group standard. Provide a reference point for collating and passing on to Group Technology and Operations problems and proposed enhancements. Ensure that new users are trained on all credit systems.
• Increasing working profits through effective management of the loan asset portfolio in order to help develop the franchise in a sustainable way and minimise provisions.
• Maximizing Economic Revenue through effective management of the risk/reward relationships.
• Maintaining credit quality and standards of professionalism for the risk function.
• Ensure effective implementation of Group Policies / Circulars / Procedures.
• Actively participate in monthly Regional Credit Issues Forum (RCIF)
• Undertake regular customer visits to better understand the business environment

Job Title

Senior Credit Officer, Bangladesh