Senior Manager - Credit

Role Purpose

The Senior Manager – Credit is responsible for maximising risk‑adjusted returns on the Bank’s credit assets, ensuring regulatory compliance, and leading a high‑performing Credit Function. The role drives portfolio quality, credit governance, and customer‑centric decision‑making aligned with NBCL’s strategic objectives.

KEY RESULT AREAS (KRAs)

Major roles and responsibilities includes:

• Oversee the Bank’s credit portfolio to ensure healthy, sustainable growth.
• Maintain risk exposure within approved limits and risk appetite.

• Achieve targeted net interest income and credit‑related fee income.
• Minimise Non‑Performing Loans (NPL) through strong risk assessment and loan structuring.
• Ensure provisioning aligns with regulatory requirements and IFRS9.
• Minimise loan write‑offs through proactive monitoring and early intervention.
• Contribute to ROA through high‑quality credit decisions balancing growth and risk.
• Monitor Credit Function operational expenses against budget.
• Ensure staff training is delivered within budget allocation.
• Monitor staff attendance and ensure compliance with HR leave policies.
• Ensure all utilities and tools (telephone, printer, internet, etc.) are used cost‑efficiently and within budget.
• Develop, review, and enhance credit policies, standards, and processes.
• Ensure alignment with regulatory requirements and industry best practice.
• Ensure timely, efficient loan assessment and approval.
• Maintain rigorous credit evaluation standards.
• Ensure compliance with all local and international credit risk regulations, including: Basel III,IFRS9,BPNG Prudential Standards

• Establish comprehensive reporting frameworks for Management and BARC.
• Provide insights on portfolio trends, sectoral exposure, and emerging risks.
• Lead and mentor the Credit Function team.
• Build capability in risk assessment, negotiation, and portfolio management.

• Implement professional development and succession planning initiatives.
• Strengthen technical and leadership capability within the Credit Function.

• Foster strong collaboration with Sales, Lending Operations, Asset Recoveries, Compliance, and other business units.
• Promote shared ownership of credit risk.
• Lead and embed the Bank’s vision, purpose, and values within the Credit Function.
• Demonstrate values‑based leadership in all interactions.
• Ensure efficient processing of credit applications while maintaining sound risk principles.
• Balance customer needs with the Bank’s risk appetite.

• Maintain strong relationships with key clients, regulators, auditors, and external partners.
• Ensure transparent and timely communication.

• Serve as final decision‑maker for complex or high‑value credit applications.
• Resolve disputes in the best interest of the customer and the Bank.
• Personally model the Bank’s vision, purpose, and values in work and social conduct.
• Credit Portfolio Size: Achieve portfolio growth aligned with annual KPIs and strategic objectives.
• Non‑Performing Loans (NPL): Maintain NPL ratio within acceptable KPI thresholds.
• Credit Turnaround Time: Meet industry‑aligned turnaround standards and annual KPI targets.
• Annual Loan Growth: Deliver loan book expansion aligned with strategy and market conditions.
• Provisioning Levels: Ensure provisioning meets regulatory and internal policy requirements.

QUALIFICATIONS & EXPERIENCE

• Bachelor’s degree in Finance, Economics, Business Administration, or related field.
• Master’s degree in Finance, Risk Management, or MBA (preferred).
• Professional certifications such as FRM or PRM (desirable).
• 10–15 years’ experience in credit risk management within a commercial bank.
• Minimum 5 years in a senior leadership role.
• Proven experience managing large, diverse credit portfolios (Corporate, SME, Retail).
• Strong understanding of Basel frameworks, IFRS9, and BPNG regulatory requirements.
• Experience with credit scoring models, risk assessment tools, and advanced analytics.

SKILLS & ABILITIES

• Analytical Thinking: Ability to assess complex credit structures and risk profiles.
• Strategic Leadership: Ability to set direction and drive Credit Function performance.
• Negotiation: Strong negotiation capability for high‑value transactions.
• Decision‑Making: Confident, timely decision‑making in high‑stakes environments.
• Communication: Strong verbal and written communication skills for senior audiences.
• People Management: Ability to build and lead a high‑performing team.
• Technology Skills: Proficiency in credit risk systems and analytics tools.
• Commercial Acumen: Strong understanding of banking products and market dynamics.
• Customer Relationship Management
• Change Management