Credit Manager-FI Risk

As a Wholesale Banking Risk Manager, your primary responsibility is to manage and oversee the bank's lending process for Financial Institutions (FI). This includes evaluating creditworthiness, utilizing credit scoring models, maintaining portfolio quality, and ensuring alignment with regulatory and internal policy frameworks. You will work closely with credit systems support teams to implement key credit policy criteria in relevant credit acceptance and evaluation systems. Your duties will involve facilitating regular asset quality reviews with analytical insights to identify risks and opportunities, as well as recommending appropriate actions. You will research and evaluate clients" creditworthiness, particularly within the Financial Institutions segment, and make informed decisions on approving or rejecting loan requests based on credibility and potential revenue/loss impact. Negotiating loan terms with clients to mitigate risk and calculating interest rates will also be part of your role. It will be your responsibility to review and update credit policies and risk acceptance criteria in response to changes in legal, regulatory, market, or business conditions. Developing and maintaining credit scoring models for risk assessment, as well as following up with clients to manage debt settlements and loan renewals, are essential tasks. Ensuring adherence to bank guidelines and regulatory standards, conducting portfolio analysis, trigger reviews, and supporting delinquency control will also fall under your purview. Furthermore, sharing best practices and insights across the team to enhance decision-making is crucial to your role. Additionally, you will be expected to recommend process and policy improvements across the Wholesale Banking business to enhance operational efficiency and customer service. Collaborating with internal stakeholders to leverage synergies and drive strategic outcomes is also a key aspect of your secondary responsibilities. Your success in this role will be measured by key metrics such as Portfolio Quality, Risk-adjusted Returns, and Compliance with Credit Policy and Regulatory Guidelines.,