AVP, Secured Credit Policy & Portfolio Management, Risk Management Group

Job Purpose

Reporting to the VP, Secured Credit Policy & Portfolio Management, the AVP will support the management of credit policies, portfolio risk oversight, and strategic risk initiatives across Wealth Management and secured lending portfolios.

The role is responsible for portfolio risk monitoring, credit policy governance, portfolio analytics, and risk advisory activities to ensure portfolio quality remains aligned with the Bank's risk appetite, regulatory expectations, and business objectives.

The successful candidate will provide risk insights, policy guidance, and portfolio recommendations while partnering closely with Business, Credit, Legal, Compliance, Operations, Finance, and Technology stakeholders to support sustainable portfolio growth and prudent risk management.

Key Responsibilities

Credit Portfolio Risk Management

• Conduct portfolio monitoring, risk assessments, stress testing, and scenario analysis to identify emerging risks, concentration trends, collateral vulnerabilities, and portfolio performance issues.
• Investigate portfolio risk issues, formulate mitigation recommendations, and escalate material concerns where appropriate.
• Support portfolio strategy discussions through data-driven analysis and fact-based recommendations.

Credit Policy & Governance

• Support the development, maintenance, and periodic review of Wealth Management and secured lending credit policies, underwriting standards, and governance frameworks.
• Assess the impact of regulatory developments, market changes, emerging risks, and business initiatives, and recommend policy enhancements where appropriate.
• Provide credit policy guidance and advisory support on lending transactions, collateral structures, margin monitoring requirements, and policy exception requests.
• Ensure policies and governance frameworks remain effective, fit-for-purpose, and aligned with the Bank’s risk appetite and regulatory requirements.

Portfolio Analytics & Risk Reporting

• Develop and enhance portfolio reporting, management information, and risk analytics to support management decision-making and governance oversight.
• Translate portfolio data into actionable risk insights, identifying trends, vulnerabilities, and areas requiring management attention.
• Prepare portfolio reviews, risk committee materials, and management presentations.

Stakeholder Engagement & Risk Advisory

• Partner with Business, Credit, Legal, Compliance, Operations, Finance, and Technology stakeholders to implement policy changes and risk management initiatives.
• Provide independent risk perspectives and constructive challenge while balancing business growth objectives with prudent risk management.
• Support governance forums, risk committees, and policy discussions through clear communication and well-reasoned analysis.
• Build trusted stakeholder relationships and influence outcomes through collaboration and sound risk judgement.

Transformation & Continuous Improvement

• Proactively identify opportunities to strengthen risk controls, improve governance processes, and enhance operational effectiveness.
• Support the adoption of data analytics, automation, and technology solutions to improve portfolio monitoring, reporting, and policy governance.
• Contribute to digitalisation and process improvement initiatives that enhance risk management capabilities.
• Promote a culture of continuous improvement, innovation, and strong risk discipline.

Requirements

Qualifications & Experience

• Degree in Banking & Finance, Economics, Business Administration, Accountancy, Risk Management, Data Analytics, or a related discipline.
• Minimum 10 years of relevant banking experience in Credit Risk, Credit Policy, Portfolio Management, Wealth Management Risk, or Consumer Banking Risk.
• Strong experience in secured lending and portfolio management, including Securities-Backed Lending (SBL), Single Premium Financing (SPF), Mortgage Lending, Structured Collateral Lending, or other collateralised credit facilities.
• Demonstrated experience in credit policy development, portfolio risk management, and governance frameworks.
• Experience presenting portfolio risk assessments, recommendations, and insights to senior stakeholders and governance forums.

Technical Competencies

• Strong knowledge of credit risk management, collateral management, and stress testing methodologies.
• Good understanding of Wealth Management and secured lending products, regulatory expectations, and industry best practices.
• Strong analytical and problem-solving skills, with the ability to identify emerging risks and translate data into actionable recommendations.
• Proficient in leveraging data, analytics, and technology to enhance portfolio monitoring, reporting, and risk management effectiveness.

Leadership & Behavioural Competencies

• Demonstrates strong ownership, accountability, and the ability to operate independently in a dynamic environment.
• Exercises sound judgement and provides effective challenge while balancing business growth objectives with prudent risk management.
• Strong stakeholder management, influencing, and communication skills, with the ability to build collaborative partnerships across functions.
• Articulates complex risk concepts clearly and effectively to both technical and non-technical stakeholders.
• Proactive, adaptable, and committed to continuous improvement, innovation, and professional development.
• Collaborative team player with the maturity, professionalism, and leadership presence expected of an AVP-level risk professional.

Work Relationships

Collaboration & Partnership

• Build strong collaborative relationships across Business, Credit, Operations, Legal, Compliance, Finance, and Technology functions to achieve shared objectives and effective risk outcomes.

Risk & Conduct Excellence

• Promote sound risk management practices, regulatory compliance, accountability, and transparency throughout the credit lifecycle.

Customer Focus & Business Acumen

• Support sustainable business growth through balanced risk management, market awareness, and a thorough understanding of customer and business needs.

Teamwork & People Development

• Contribute to a positive and high-performing team environment through knowledge sharing, collaboration, mentorship, and continuous learning.

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