Credit Risk VP Consumer / Retail Finance, Banking
Credit Risk VP Consumer / Retail Finance, Banking
ethos beathchapman- Posted 11 days ago
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Job Description
The Role
Our client is an established bank globally, and we are seeking a high-calibre Vice President – Credit Risk to lead credit strategy, portfolio oversight, and risk governance across our Consumer Finance portfolio.
Responsibilities:
Our client is an established bank globally, and we are seeking a high-calibre Vice President – Credit Risk to lead credit strategy, portfolio oversight, and risk governance across our Consumer Finance portfolio.
Responsibilities:
- Lead the development and execution of credit risk strategy across the Consumer Finance portfolio
- Own underwriting policy, credit appetite, scorecard oversight, and decisioning frameworks
- Monitor portfolio performance, early warning indicators, and stress testing outcomes
- Drive IFRS 9 / CECL provisioning oversight and capital optimisation initiatives
- Oversee model governance, validation, and regulatory compliance (Basel, local regulatory frameworks)
- Partner with Product, Pricing, Finance, and Collections to ensure risk-adjusted profitability
- Present portfolio performance, risk appetite metrics, and emerging risks to senior governance forums
- Lead and develop a high-performing credit risk team
Requirements:
- Significant experience (typically 10+ years) in credit risk within retail/consumer banking
- Proven leadership experience managing senior risk professionals
- Strong knowledge of Southeast Asian consumer finance markets, with experience in Indonesia preferred
- Strong understanding of consumer lending products and lifecycle risk management
- Ability to manage and work with regional stakeholders
WP
Reg No. R2094093
BeathChapman Pte Ltd
Licence no. 16S8112
More Info
Key Skills
underwriting policy
CECL provisioning
credit appetite scorecard
model governance
credit risk strategy
consumer lending products
IFRS 9
early warning indicators
lifecycle risk management
capital optimisation
decisioning frameworks
About Company
Skills:
Sales Governance, Operational Risk, Regulatory Compliance, Financial Advisory, Stakeholder Management, Governance, Risk Management
Skills:
Regulatory Reporting, Reporting, Project Governance, Lending Products, Risk Management, Payments and Cash Management, Compliance Requirements, Budgeting, Accounting and General Ledger, Technology Digital Transformation, Treasury and Market Products, Fit-Gap Assessments, CASA Loans, Corporate Banking
Skills:
Business Requirements, User Acceptance Testing, Functional Specifications, Testing, Requirements Analysis, Migration Testing, IFRS 9 reporting implementation, data mappings, Securities, Derivatives, Basel, regulatory reporting frameworks, functional documentation, core banking products and processes, Workshops, guarantees, accounting schemes, limits, non-functional requirements, Liquidity Management, Loans, Credit Risk, Deposits, accounting processes, credit lifecycle, Stakeholder Management, foreign exchange, general ledger structures
Skills:
Data Quality, Core Banking, Accounting Finance system implementation lifecycle, Regulatory Reporting, Credit-risk Collateral Management, Financial Accounting, IT project life cycle, Counterparty Risk, WM investment product life cycle, Basel IV SACCR, Finance closing and recon process, Loan Deposit lifecycle, Liquidity Management
Skills:
Iso 27001, Technology Risk Framework, Regulatory Frameworks, Technology Risk Governance, Cobit, Operational Resilience, nist, Regulatory Compliance, Third-Party Risk Management, Cybersecurity Governance