AVP - GPOS - Credit CoE

Key Responsibilities Breakdown

Strategy and Targeted Improvements

• Collaboration with Stakeholders

  : Engage effectively with internal stakeholders to drive operational efficiency and ensure successful implementation of required changes.

• Process Improvement

  : Identify, investigate, and address gaps in processes and systems to improve credit processes and remediation activities.

• Change Leadership

  : Lead initiatives and projects that focus on improving processes and systems, particularly in the area of credit management.

Automation and Streamlining

• Continuous Monitoring

  : Regularly monitor the efficiency of processes, seek feedback, and implement improvements.

• Digitization Focus

  : Strong emphasis on automating and digitizing credit processes to improve workflow and controls.

Business Support

• Risk Evaluation

  : Assess operational risk impacts of business strategies and projects.

• Credit COE Initiatives

  : Ensure that global processes are consistently adopted across regions and countries.

• Stakeholder Management

  : Maintain effective communication with stakeholders, address concerns, and support regulatory and audit requests.

• Strategic Transformation

  : Drive the implementation of the bank's credit transformation agenda.

Process Management and Monitoring

• Compliance with Risk Frameworks

  : Ensure adherence to Risk and Control Self-Assessment (RCSA), Operational Risk Framework, and policies.

• Trend Monitoring

  : Track and analyze CST/KCI exception trends to improve operational efficiency and effectiveness.

• Subject Matter Expertise (SME)

  : Provide expert guidance on process-related issues and queries.

Risk Management

• Risk Identification and Control

  : Identify potential risks in credit processes and work to establish appropriate control frameworks.

• Regulatory Compliance

  : Ensure the processes comply with regulatory standards and policies.

• Management Action Plan (MAP)

  : Support the implementation and resolution of audit issues identified by internal and external audit bodies.

Governance and Compliance

• Risk Assessment

  : Ensure proper risk assessment and management, including working with appropriate forums and committees.

• Control Effectiveness

  : Regularly evaluate the effectiveness of the control framework and initiate corrective action when necessary.

• Assurance Oversight

  : Manage assurance checks (CST/KCI) and ensure standardization across the processes.

Regulatory & Business Conduct

• Ethical Standards

  : Uphold the Group's Values and Code of Conduct while ensuring compliance with relevant regulations.

• Risk and Compliance Management

  : Identify, escalate, and resolve risk, conduct, and compliance matters.

Key Stakeholders

• Collaborate with various stakeholders, including

  Region and Country CCIB Heads, Risk and Control Governance Functions

  ,

  Legal teams

  ,

  Operational Risk Teams

  ,

  Client Management

  ,

  Credit and Risk Teams

  ,

  Product Owners

  , and others.

Skills and Experience

Core Skills

Process Management

• Ability to effectively design, manage, and monitor processes, ensuring they are efficient, compliant, and aligned with business goals.
• Proven experience in identifying process inefficiencies, designing improvements, and implementing solutions.

Process Improvement

• Expertise in

  continuous process improvement methodologies

  , such as

  Lean

  or

  Six Sigma

  , to drive operational efficiency.
• Hands-on experience with

  automation

  and

  digitization

  initiatives to streamline workflows.

Operational Functions (Domain - Product, Process & Systems)

• A deep understanding of how operational processes intersect with product, systems, and technology to improve overall credit operations.
• Ability to assess and evaluate new processes and systems and recommend changes to align with the business goals.

Operational Risk

• Proficiency in identifying, assessing, and managing

  operational risk

  related to credit origination and related processes.
• Experience in

  risk mitigation strategies

  , ensuring that credit-related risks are adequately addressed.

Effective Communications

• Strong communication skills to engage with various stakeholders, communicate changes, and ensure transparency and understanding across the organization.
• Ability to simplify complex ideas and convey them to diverse teams effectively.

Managing Change

• Proven experience in

  managing large-scale organizational change

  , especially in the context of

  process transformation

  .
• Ability to

  assess change readiness

  , manage resistance, and ensure smooth implementation of new systems or processes.

Project Management

• Ability to

  manage multiple projects simultaneously

  , ensuring timely delivery within agreed parameters (scope, cost, and quality).
• Strong understanding of project management methodologies (e.g.,

  Agile

  ,

  Waterfall

  ) to drive successful project execution.

Time/Resource Management

• Highly skilled in managing resources and time effectively to ensure projects are completed on time and within budget.
• Ability to prioritize competing demands and ensure the effective allocation of resources.

Additional Skills

• Governance and Compliance

  : Experience in working with governance frameworks to ensure adherence to internal policies, risk management standards, and regulatory requirements.

• Cross-Functional Collaboration

  : Ability to work collaboratively across various functional teams (risk, compliance, operations, product teams) to achieve organizational goals.

• Regulatory Knowledge

  : In-depth knowledge of relevant

  credit policies

  ,

  financial regulations

  , and compliance standards.

• Data Analysis and Reporting

  : Ability to track, analyze, and report on key performance indicators (KPIs),

  CST/KCI trends

  , and process improvement initiatives.

Experience

• 8-12 years

  of experience in

  credit operations

  , process improvement, and risk management roles, ideally in the

  banking or financial services industry

  .
• Experience working in

  cross-functional teams

  , including risk, compliance, IT, and operations teams, to drive transformation initiatives.
• Familiarity with global

  credit transformation projects

  and managing strategic initiatives at a country or regional level.