Vice President, Head, Consumer Credit

• To approve loans within credit policies and business plans.

Underwriting/Credit Processing

-Establish and implement a structured credit underwriting standard, process and tools to assist in credit decision making and early identification of risk issues and building of appropriate controls / pre-emptive measures to ensure quality loans bookings to safeguard the Bank’s interest to contain credit provision / losses and support business growth.

• Implement a robust fraud detection / prevention framework to minimize fraud losses.

• To process loan applications are according to the approved policies & guidelines.
• To observe both internal and external audit requirements during their scheduled periodic review.
• To observe policy guidelines eg AMLA and ORM Framework and data integrity are met.
• To document and file all workings accordingly.

• Manage, guide and train the processing and review teams to ensure the primary objectives of meeting the turnaround time and policy guidelines are met
• Conduct regular briefing sessions and credit meetings with sales staff on operational and credit matters to ensure each side’s expectations are met
• Continuously work on streamlining work processes to improve on turnaround time and productivity
• Provide support and guidance to Sales/Credit staff on credit matters and loan application submissions.

• Oversee career development plans of key resources for robust succession planning and to build healthy talent inventory for key positions
• Oversee day to day capacity planning & forecasting, ensuring adequate resources are in place to execute the strategies, and deliver business goals
• Encourage and promote an active learning environment to facilitate excellence in credit evaluation, through measuring and motivating staff.
• Accountable for compliance to Bank’s Code of Ethics

• Maintain accurate and robust monthly cost management and forecasting discipline, to meet cost budget and forecast challenges
• Understand key cost drivers; trends and seasonality.

-Champion continuous process improvements, re-engineering initiatives to maximize cost efficiencies.