Vice President, Credit Portfolio Risk Management (APAC ex-Japan)

Vice President, Credit Portfolio Risk Management (APAC ex-Japan)

Role Overview

The incumbent will have strong corporate credit fundamentals and demonstrated experience in credit assessment at both the client and portfolio levels. The role will be responsible for providing independent credit risk analysis and challenge across the corporate portfolio, connecting macroeconomic and sector developments with borrower fundamentals, transaction structures and portfolio implications, identifying sector vulnerabilities and providing clear, actionable credit risk insights to senior management

In addition to technical leadership, the incumbent is expected to provide practical guidance and share knowledge with team members, as relevant, and help maintain strong analytical and execution standards within the team.

Key Responsibilities

1. Portfolio, Sector and Product Deep Dive Analysis

• Lead deep dives across key corporate sectors, depending on portfolio composition, combining portfolio and borrower-level analysis.
• Assess sector fundamentals, structural trends, macroeconomic sensitivities and emerging risks and analyse how these developments affect borrower creditworthiness and the bank's credit portfolio.
• Identify vulnerable borrowers, concentrations and emerging pockets of risk through sector portfolio analytics and borrower-level review.
• Conduct sector and portfolio deep-dives, develop relevant risk indicators and early warning metrics, and translate material emerging risks into appropriate RAF measures and thresholds to enable proactive monitoring and escalation.
• Provide forward-looking recommendations on sectors, borrowers or portfolio concentrations requiring enhanced monitoring.

2. Risk Appetite and Early Warning

• Support the development, calibration and monitoring of the Credit Risk Appetite Framework, portfolio limits and early warning indicators.
• Assess whether existing risk appetite measures, limits and early warning thresholds remain appropriate given portfolio composition, concentration risks, emerging credit trends and changes in the external environment.
• Escalate emerging risks and potential risk appetite concerns with clear analysis of risk drivers, affected exposures and recommended management actions, including enhanced monitoring or other risk mitigation measures.
• Monitor portfolio exposures across cyclical sectors, sponsor groups, products and geographic regions, and identify emerging concentrations or signs of credit deterioration.

3. Cross-functional Collaboration & Regional Initiatives

• Collaborate with business units and relevant departments to align stress testing, sector and portfolio analysis outputs with portfolio management priorities and business strategy.
• Partner with regional offices and relevant stakeholders to improve data quality, analytical assumptions and analytical consistency across jurisdictions.
• Support regional credit risk management initiatives in APAC, including enhancements to portfolio management and analytical capabilities, and promote consistent credit risk practices and knowledge sharing across the region.

Requirements:

• Bachelor’s degree or equivalent in Finance, Economics, Accounting, Business or a related discipline.
• Typically 8+ years of relevant experience in corporate credit risk management, credit assessment, credit review or related functions within a financial institution.
• Strong corporate credit risk skills with a good understanding of credit assessment, including financial statement and cash flow analysis, banking products and corporate / institutional credit risk concepts.
• Good communication and interpersonal skills, with the ability to work closely with relevant stakeholders across functions and locations under tight timelines.
• Ability to provide independent challenge and guide team members through practical support, constructive feedback and knowledge sharing.
• Proficiency in Excel and PowerPoint; strong Excel-based analytical skills; experience with SQL, Python, Power BI or other data analytics or visualization tools would be an advantage.
• Fluent in written and spoken English.