Credit Risk Team Head

Job Responsibility

A. Strategic Leadership & Vision Setting

- Define the long-term roadmap for credit risk management, covering:

• IFRS 9 / ECL
• Application Scoring
• Behavioral Scoring
• Setting Risk Appetite
• Portfolio Intelligence
• Risk Reporting

- Continuously scan global best practices, fintech trends, and regulatory developments

- Introduce innovative methodologies, frameworks, and tools to the organization

- Translate abstract ideas into implementable systems

B. Oversight of IFRS 9, ECL & Risk Components

- Set overall direction for:

• ECL methodology
• Staging frameworks
• SICR logic
• Risk components (PD, LGD, CCF, Forward-Looking)

- Review and approve major methodological changes

- Ensure compliance with BOT, IFRS, and group standards

- Guide automation strategy for ECL and provisioning processes

- Act as the final escalation point for ECL governance matters

C. Oversight of Application Scoring & Risk Frameworks

- Define model governance principles and cooperate with related teams to enhance acquisition criteria

- Approve AS model redevelopment, recalibration, and major variable changes

- Design enterprise-level risk contingency frameworks

- Ensure scoring logic remains aligned with evolving customer behavior and business objectives.

- Guide liquidity risk monitoring direction

D. Oversight of Behavioral Scoring, Analytics & Reporting

- Define the overall architecture of behavioral risk intelligence

- Oversee BS model redevelopment and segmentation logic

- Approve enterprise-level reporting structures

- Ensure dashboards and reports drive real decisions, not just visibility

- Push development of multi-dimensional and real-time analytics

E. Innovation & Continuous Improvement

- Identify new risk dimensions not currently captured by existing frameworks

- Experiment with new analytics approaches

- Pilot test new concepts before full deployment

- Institutionalize successful pilots into standard operations

F. Talent Development & Capability Building

- Design the team's capability roadmap

- Develop senior managers into future leaders

- Coach managers to translate strategy into execution

- Create a culture of curiosity, learning, and ownership

- Ensure knowledge transfer and documentation discipline

G. Governance & Stakeholder Management

- Act as the main contact point for:

• CRO
• CFO
• CEO
• KB KookminCard (Major Shareholder)
• Regulators
• External Auditor

- Represent the team at executive forums

- Resolve cross-functional conflicts involving risk trade-offs

- Own the risk narrative of the company

H. Executive Communication & Decision Support

- Translate complex analytics into clear executive narratives

- Present strategic risk insights to senior management

- Propose risk-informed business strategies

- Support board-level and HQ-level discussions

Job Qualification

- Bachelor's or Master's degree in Finance, Economics, Statistics, Mathematics, Data Science, Engineering, or related fields

- 10+ years of experience in Financial Institutions with career of:

• Credit Risk Management
• Risk management aligned with IFRS 9/ECL
• Risk modeling
• Portfolio analytics

- Prior experience as team head is required

- Experience working with External, auditors, shareholders or regulators is preferred

- Strong understanding of:

• IFRS 9 principles
• ECL frameworks
• Credit scoring methodologies
• Portfolio risk analytics
• Model governance

- Familiarity with:

• Advanced statistical modeling tools
• Data engineering modeling
• BI and automation tools

- Strategic & Business Acumen

• Ability to balance conservatism with growth

Deep understanding of Credit Cost framework aligned with overall profit structure