Risk Management

Team Head of Credit Risk Management - Consumer Finance

Date: 30 Apr 2025

Location:

Bangkok, Thailand

Company: Kiatnakin Phatra Bank Public Company Limited

Job Summary

· Lead the team in developing, implementing, and overseeing credit risk management policies for Unsecured Loans, SME, Mortgage Lending Products

· Design and establish the credit risk management framework for senior management approval

· Analyze the Risk Profile and track credit risk trends across the retail loan portfolio

· Define and monitor Key Risk Factors and Early Warning Indicators

· Provide expert recommendations on credit risk and strategic risk management

1. Strategic Risk Management

· Support the strategic planning of credit risk management for retail lending

· Establish credit risk policies and frameworks in line with Bank of Thailand regulations, Basel guidelines, and IFRS 9

· Recommend risk management strategies to balance credit risk and business growth objectives

2. Risk Analysis & Monitoring

· Monitor and analyze the Risk Profile of retail loan portfolios to assess credit risk trends

· Develop Credit Risk Models, Stress Testing frameworks, and Portfolio Risk Analytics

· Define and track Early Warning Indicators (EWI) to prevent credit deterioration

3. Credit Risk Governance & Compliance

· Set credit risk limits and policies to ensure effective risk management across retail lending products

· Ensure credit approval processes align with regulatory and risk management best practices

· Coordinate with regulatory authorities (e.g., Bank of Thailand) and internal auditors to maintain compliance

4. Advisory & Stakeholder Support

· Provide strategic insights and recommendations to senior management, credit committees, and risk management boards

· Support the lending team and related business units in refining credit policies and underwriting processes

5. Team Leadership & Development

· Lead and mentor the credit risk management team to enhance capabilities in Credit Risk Analytics and Risk Frameworks

· Monitor and evaluate team performance to ensure alignment with corporate objectives

· Bachelor’s or Master’s degree in Economics, Finance, Accounting, or Business Administration

· 8+ years of experience in credit and risk management within retail lending

· Strong understanding of Basel guidelines, IFRS 9, and credit risk regulatory frameworks

· Expertise in Credit Risk Modeling, Stress Testing, and Risk Analytics

· Strong strategic thinking and leadership skills

· Effective communication and stakeholder management skills

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