Head of Credit Risk Management (CRM)
Job Description
Provide strategic leadership to the Credit Risk Management Division in line with the Bank’s risk appetite and objectives.
Design, implement and continuously enhance credit risk policies, frameworks, limits and underwriting standards.
Ensure independent, high-quality and timely credit assessment to protect asset quality.
Regularly update credit policies and lending guidelines in line with regulations, portfolio trends and strategy.
Monitor portfolio diversification, concentrations, risk grades and early warning indicators, and take corrective actions.
Track and report key credit risk metrics and portfolio trends to senior management and the Board.
Drive effective management, restructuring and recovery of problem and classified loans.
Ensure full compliance with Bangladesh Bank regulations, core risk guidelines, Environmental and social risk related compliance, AML/KYC and internal controls.
Advise business units on sound credit structures, documentation, credit ratings, covenants and collateral to mitigate risk.
Provide strategic guidance towards minimizing average risk weight of the portfolio and reducing credit documentation deficiencies to optimize capital charges.
Support ALCO and Board committees with insights on credit risk, stress testing and capital impact.
Committee Leadership & Strategic Participation: Serve as Chair/Member across various strategic committees (CRMC, MANCOM, ERMC, CCC, etc.), contributing to high-level decision-making, policy compliance, and organizational sustainability planning.
Act as a trusted advisor to MD/CEO and the EC, BRMC, Board on emerging credit risks and strategic decisions.
Develop staff capability through training, coaching and a strong risk culture.
Coordinate with internal teams, regulators and auditors on all credit risk matters.
Lead change initiatives, including digitalization and automation of credit and risk processes.
Experience
- At least 12 years
- The applicants should have experience in the following business area(s): Banks
Education
- Masters
Bachelor’s/Master’s degree in a relevant discipline from a UGC-approved university.
No third division/class or equivalent CGPA is allowed at any stage of the academic career.
Preferably completed Banking Diploma courses (JAIBB & AIBB)
Additional Requirements
- Age At least 24 years
- 12–15 years of banking experience, including 5+ years in senior credit risk/decision-making roles.
- Functional competencies: Credit Risk Assessment -Expert evaluation and structuring of complex credit proposals.
- Regulatory & Policy Compliance -Strong knowledge of Bangladesh Bank rules and risk guidelines.
- Portfolio Risk Management -Monitoring asset quality, concentrations, early warnings and key risk metrics.
- Problem Loan Management -Effective restructuring, remediation and recovery of stressed assets.
- Behavioral competencies: Judgment & Decision-Making -Ability to make independent, timely and balanced credit decisions while managing risk and growth pressures.
- Strategic Thinking - Aligning credit risk strategy, portfolio direction and risk appetite with the Bank’s long-term objectives.
- Risk Awareness & Integrity - Strong ethical standards, objectivity and commitment to regulatory compliance and sound risk governance.
- Leadership & People Development - Building a high-performance, risk-aware culture through coaching, accountability and team leadership.