Consumer Credit Risk Department Head

5 months ago


Jakarta, Indonesia PT Talenta Sumber Daya Manusia Full time

Persyaratan

Pendidikan Min S1 (Semua jurusan)

Pengalaman bekerja Min 5 tahun Manajemen Risiko di Perbankan, Financial Company, Auditors Company

Sertifikasi Manajemen Risiko min Level 3

Memiliki kemampuan menganalisa

Kemampuan mengoperasikan Ms.Office ( word, excel, powerpoint, visio )

Kemampuan berbahasa inggris (writing & speaking)

Tanggung Jawab

Menyusun strategi, rencana bisnis tahunan, prosedur dan kebijakan manajemen risiko kredit consumer dan organisasi untuk mendukung strategi bisnis.

Memberikan informasi kepada Head Division of Credit, Operational & Enterprise Risk Management dalam mengelola risiko kredit yang signifikan dari berbagai isu terkait dengan risiko yang dapat membahayakan tercapainya tujuan bank.

Memastikan bahwa proses kredit consumer di bank berjalan secara efektif dan efisien mencapai standar yang tinggi.

Mengkaji ulang terhadap kebijakan yang ada dan merevisi serta relevan dengan bisnis terhadap risiko kredit terkait dengan dari kondisi pasar yang berubah berdasarkan praktif dan peraturan serta pedoman untuk mengidentifikasi, mengukur, memantau dan mengendalikan risiko kredit consumer secara internal.

Memimpin dalam identifikasi, penilaian dan pengukuran risiko kredit perbankan yang di tingkat portofolio kredit secara total.

Memastikan kepatuhan terhadap kebijakan dan prosedur persetujuan risiko kredit consumer dan memastikan bahwa lingkungan untuk mengukur, memantau dan mengendalikan risiko kredit consumer di Bank Mayapada.

Merekomendasikan secara keseluruhan batas kredit konsentrasi berdasarkan individu, counterparty untuk pembukuan di dalam maupun di luar neraca.

Memastikan bahwa semua persetujuan kredit consumer sesuai keseluruhan kebijakan pedoman Bank dan peraturan yang berlaku.

Memberikan rekomendasi dalam menetapkan persyaratan untuk mengurangi risiko kredit yang ditanggung/dihadapi Bank.

Memantau risiko kredit atas kecukupan modal untuk pelaporan perhitungan sehubungan dengan basel II / III perhitungan dan lainnya secara harian pada kegiatan berkaitan dengan hal yang sama.

Memastikan penggunaan standar proses dalam menilai proposal pinjaman, dan menjamin bahwa semua kredit disetujui itu sesuai dengan Bank.

Menjamin penilaian proposal pinjaman yang sudah cukup memadai dan menganalisis berbagai aspek risiko kredit untuk mengukur peringkat akhir risiko kredit.

Mengawasi perhitungan parameter Loss Given Default (LGD), Probability of Default (PD), dan Eksposure of Default (EAD) khususnya kredit consumer.

Memastikan bahwa keseluruhan proses berkaitan dengan risiko kredit telah dilaksanakan secara efisien dan efektif.

Membangun dan dapat bekerja sama secara efektif dengan Divisi terkait lainnya dalam mencapai tujuan bagian/tujuan.

Memberikan informasi secara tepat waktu dan akurat kepada auditor internal dan eksternal serta melaksanakan sebagai fungsi kepatuhan dan apabila diperlukan.

Menindaklanjuti hasil audit yang berkaitan dengan pengelolaan bagian terkait dan melakukan tindakan korektif yang diperlukan.

Membantu tugas dan tanggung jawab dari Head Division of Credit, Operational & Enterprise Risk Management apabila diperlukan.

Memanfaatkan pemahaman yang mendalam tentang bisnis kredit konsumer untuk mendorong kiriman laporan risiko kredit dan analisa kredit konsumer.

Melakukan perkiraan, analisis dan pelaporan terkait kinerja model, trend dan memberikan rekomendasi untuk membantu dalam pengambilan keputusan Bisnis.

Mengelola semua aspek kepatuhan peraturan, termasuk koordinasi dengan tim pelaporan untuk laporan eksternal dan internal.

Bekerja dengan mitra internal dan lintas fungsional untuk memberikan ringkasan / presentasi kinerja portofolio yang dianalisis dengan baik, didorong data dan berwawasan luas yang memengaruhi keputusan risiko kredit.

Bertanggung jawab untuk menyelesaikan pekerjaan lainnya dalam rangka untuk mendukung tercapainya sasaran kinerja yang ditetapkan oleh bank.


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