Credit Policies & Procedures
- Developing credit policies & procedures in consultation with all stakeholders, along with timely review & updation of the same.
- Supporting business units in development of Target Markets & Risk Acceptance Criteria (RAC). Providing input into evaluation of new products & product programs.
- Timely review of Global Risk Appetite Statement along with monitoring against approved thresholds, and its periodic reporting to the Senior Management, and BRMC.
- Reviewing memos prepared for SBP and providing input where business has sought any relaxation / waiver / deferral to any regulatory requirement.
- Providing guidance / interpretation of policies / procedures to stakeholders viz, Business, Risk, CAD, BRR / Audit etc.
- CRM coordination as CRC for Risk Function, and updation of compliance status. Circulation of regulatory guidelines / revisions in regulations received and its tracking for CRM.
- Quarterly reporting of Lending Survey to SBP, and any coordination for adhoc surveys.
- Attending adhoc requirements by ADB, IFC, McKinsey, PwC, RBS Framework, AFFCO etc for various projects in progress.
- Coordinating for IRCR project led by PwC / ERM team to provide relevant update / validation.
Credit Portfolio Management & Reporting
- Regularly reviewing and streamlining comprehensive credit portfolio reports for submission to senior management committees and Board Risk Management Committee.
- Overseeing arrangement of source information/ MIS for the portfolio reports, and streamlining this information/ processes for developing the reports.
- Capital Planning for assessing Segment Level Portfolio / RORAC% position vis-à-vis Revenues, RWA & Capital Consumption.
- Reporting of Foreign Trade Due Diligence to CRMC.
Risk Appetite Reviewing & Monitoring
- Regularly reviewing, refining, and monitoring the bank’s risk appetite and ensuring periodic submission to the senior management and Board Risk Management Committee for review.
- Internal Capital Adequacy Assessment Process (ICAAP)
- Regularly reviewing and proposing the ICAAP of the bank ensuring accuracy, documentation, and monitoring of the same.
BRMC Meetings
- Overseeing preparation of agenda files/ papers for the BRMC meetings.
- Guiding / coordinating with stakeholders on document submission as per Corp Office requirements
- Reviewing memos requiring BRMC / BOD approval through circulation.
Internal Audit & SBP Inspection
- Coordinating internal audit/ SBP inspection of the Risk Management function, and tracking / follow-up for timely submission of data / information.
Minimum qualifications:
- Master Degree
Minimum experience:
- 10+ Years of banking experience
- Good understanding of Credit Cycle / Process, and Credit Products
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