• Ensuring all credit risk exposure at customers, product and portfolio level remain appropriate and within acceptable parameters.
• Monitoring and communicating the level of credit risk taken to senior management.
• Undertaking key tasks in credit risk management on a day-to-day basis.

• Enterprise risk management (ERM):

• Drive and oversee the enterprise risk management (ERM) processes in TLX, including facilitation of risk processes, reporting and alignment with Group risk functions, risk forums and senior management.

• Risk Assessment and Analysis:

• Conduct thorough credit risk assessments for new and existing customers, including detailed financial analysis and creditworthiness evaluations.
• Develop and maintain credit risk models to predict potential risks and ensure compliance with regulatory requirements.

• Policy Development and Implementation:

• Design, implement, and update credit risk policies and procedures to align with industry best practices and regulatory standards.
• Ensure all credit risk policies are effectively communicated and adhered to across the organization.

• Hands-On Risk Management:

• Perform detailed credit risk reviews and provide recommendations for credit approvals, renewals, and modifications.
• Engage directly with customers and stakeholders to understand their financial needs and assess their risk profiles.

• Data Analysis and Reporting:

• Utilize advanced analytical tools and techniques to monitor and report on credit risk metrics and trends.
• Prepare comprehensive risk reports for senior management, highlighting key risk indicators and recommending corrective actions where necessary.
• Financial monitoring of business partner portfolio, including foreign currency, exchange rate risks, portfolio alerting and follow ups. Drive and facilitate our Credit Committee function.

• Collaboration and Stakeholder Management:

• Work closely with relevant teams, compliance, and within finance team to ensure a cohesive approach to credit risk management.
• Provide assistance and support to other team members on credit risk assessment techniques and risk management best practices.
• Regulatory Compliance:
• Stay updated on relevant regulatory changes and ensure the company’s credit risk management practices comply with all applicable laws and regulations.
• Coordinate with internal and external auditors during credit risk audits and examinations.

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field; Master’s degree or professional certification (e.g., CFA, FRM) is a plus
• Minimum of 6 years of experience in credit risk management, preferably within a financial institution
• Strong analytical skills with proficiency in financial analysis, credit risk modeling, and risk assessment techniques
• Hands-on experience with credit risk management software and tools
• Excellent communication and interpersonal skills, with the ability to interact effectively with clients and stakeholders at all levels
• In-depth knowledge of regulatory requirements related to credit risk management
• Proven ability to work independently and as part of a team in a fast-paced environment
• Due diligence abilities and time management skills

• Having gained experience in this position enables diverse exposure globally
• Horizontal and vertical growth within the organization