Unit Head Credit Policy and Risk Governance

6 days ago

Pakistan HBL Full time 1,200,000 - 3,600,000 per year

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's degree

Minimum experience:

  • 10+ Years of banking experience
  • Good understanding of Credit Cycle / Process, and Credit Products

Minimum qualifications:

  • Master's degree

Minimum experience:

  • 10+ Years of banking experience
  • Good understanding of Credit Cycle / Process, and Credit Products

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