Team Head Risk Management - Credit Risk

Team Head – Risk Management (Credit Risk, Non-Bank Business)

Key Responsibilities

• Lead the overall Credit Risk Management strategy and risk framework for the Non-Bank Business.

• Oversee IFRS 9 / ECL, credit scoring, portfolio analytics, risk appetite, and risk reporting.

• Lead the development and governance of Application Scoring and Behavioral Scoring models.

• Ensure risk models and methodologies comply with BOT, IFRS, and group requirements.

• Drive risk analytics, automation, and continuous improvement across the function.

• Identify emerging risks and introduce new risk management methodologies and tools.

• Lead and develop the Risk Management team, building strong technical and leadership capabilities.

• Act as a key risk advisor to CRO, CFO, CEO, shareholders, regulators, and external auditors.

• Present key risk insights and recommendations to senior management, Board, and HQ.

• Balance risk management, credit cost, profitability, and business growth.

Qualifications

• Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, Data Science, Engineering, or related fields.

• 10+ years of experience in financial institutions, with strong experience in Credit Risk, IFRS 9/ECL, Risk Modeling, or Portfolio Analytics.

• Previous team leadership experience is required.

• Strong knowledge of credit risk models, scoring, ECL, portfolio analytics, and model governance.

• Experience working with regulators, auditors, shareholders, or HQ is preferred.

• Strong strategic, analytical, leadership, and business acumen.