Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 120,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.Responsible for proactively identifying risk, setting and executing risk mitigation strategies for the Indian loan portfolio – both new loans at origination and existing stressed / distressed loans. The role will work in tandem with the existing Indian client relationship teams. You will also be required to support various regional risk projects and initiatives across APAC.For new loans at origination, you will be required to critically review borrower forecasts, consider client specific and sector risks, and challenge the appropriateness of covenants and other legal / structural protections to mitigate losses in downside scenarios.For existing stressed and distressed loans, you will be required to formulate, negotiate and implement appropriate risk mitigation strategies to maximise loan recoveries, including through refinancing, restructuring, rehabilitation or sale of loans or portfolios. The role will require close collaboration and partnership with existing relationship managers, as well as extensive negotiation opposite clients and legal and financial advisors.You will support the APAC Head of the Credit Managed Assets team to develop a strong credit and risk control/culture within the Global Corporate and Investment Banking Division (“GCIB”)
. Partnering closely with colleagues across APAC in supporting GCIB to proactively manage key risk controls related to the business activities.You will report to Head of Credit Managed Assets (APAC).Section
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: Primary Responsibilities
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In cooperation with country relationship managers assist with the formulation and execution of recovery and restructuring strategies for stressed and distressed assets. You will be required to lead syndicates of banks, advisors and internal stakeholders through complex stakeholder negotiations for the implementation of restructuring solutions for the bank’s stressed and distressed credits. Enhance existing and future regional credit and other risk management frameworks to embed 'best in class' risk ownership into the first line of defence. Understand the competitive landscape, industry trends, regulations and the Bank’s strategy to review division/department’s performance and identify opportunities and risks. Based on feedback and lessons learned from management of problem loans, provide feedback and recommendations for changes to GCIB overall portfolio “credit stance” or risk appetite. Collaborate with relationship managers to provide an independent review of new loans at origination subject to heightened risk (e.g. reputational or credit risk concerns, complex borrower group, uncommon or novel elements or structure, development of new strategies or approaches to growing a business or product) and recommend appropriate downside risk mitigation through commercial, legal and structural protections.Financial
Collaborate and engage in continuous proactive discussion with the Risk Division, credit middle office function and regional colleagues (i.e. branch management) on credit workout solutions. Create, input and evaluate the adequacy and effectiveness of credit policies, procedures, processes; internal training and competencies of relationship managers in ensuring an efficient and proactive professional problem loan identification and collection efforts.Customer
Develop and maintain strong stakeholder management with key stakeholders both within MUFG, GCIB and externally. Joint responsibility in proactive problem identification, management and resolution with local offices. Consult and support regional colleagues to develop timely measures and action plans effectively. Work in partnership with Head Office, Risk Division, middle and back-office functions across region in maintaining business relationships resolving any credit related issues associated with credit relationships. Anticipate as well as be sensitive to customer expectations and guide the regional colleagues and GCIB to consider appropriate measures to protect the Bank in managing credit situations. Visit customers frequently, to represent the business to resolve issues and maintain good customer relationship. Develop and maintain strong relationship with regulators, when required. Monitor and advise Management on the impacts of economic and regulatory changes. Advise Management on progress and findingsPeople
Act as a role model to GCIB team members and adhere to all company policies/ guidelines. Support, coach and guide team on complex issues.Other / Control
Monitor and review any Early Warnings Indicators (EWI) triggered for Indian borrowers, working with relationship managers and credit partners to consider next steps for proactive credit risk mitigation actions and ongoing enhanced monitoring for borrowers with increasing credit risk. Consider refining EWIs and watch list process as appropriate and relevant to Indian portfolio based on emerging risks and market trends.Review credit knowledge and assist with the training competencies of RMs in GCIB. Contribute to processes, policies and guidelines to mitigate any credit risk and align to the business strategy. Participate in relevant committees within the entity. Ensure compliance with relevant regulations and limits. Maintain good working knowledge of global and regional industry trends, products, relevant laws and regulations. Act as a Subject Matter Expert to MUFG customers and Management. Adhere to all company policies / guidelines.Mitsubishi UFJ Financial Group (MUFG) is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.
