Credit Risk Team Head

About the Role

Lead the Credit Risk function to define and execute the long-term roadmap for credit risk management, including IFRS 9 / ECL, application scoring, behavioral scoring, risk appetite, portfolio intelligence and risk reporting. Drive innovation, automation and translate advanced analytics into implementable systems while representing the team with senior stakeholders and regulators.

Responsibilities

• Define the long-term roadmap for credit risk management covering IFRS 9 / ECL, application scoring, behavioral scoring, risk appetite, portfolio intelligence and risk reporting.
• Continuously scan global best practices, fintech trends and regulatory developments and introduce innovative methodologies, frameworks and tools.
• Set overall direction and governance for ECL methodology, staging frameworks, SICR logic and risk components (PD, LGD, CCF, forward-looking); review and approve major methodological changes and act as final escalation for ECL governance.
• Guide automation strategy for ECL and provisioning processes and ensure compliance with BOT, IFRS and group standards.
• Define model governance principles for application scoring; approve model redevelopment, recalibration and major variable changes; ensure scoring aligns with customer behaviour and business objectives.
• Design enterprise-level risk contingency frameworks and guide liquidity risk monitoring direction.
• Define architecture for behavioral risk intelligence; oversee BS model redevelopment, segmentation logic and enterprise-level reporting structures to ensure dashboards drive decisions.
• Push development of multi-dimensional and real-time analytics; pilot and institutionalize new analytics approaches and risk dimensions.
• Design the team capability roadmap, develop senior managers into future leaders, coach managers to translate strategy into execution and ensure knowledge transfer and documentation discipline.
• Act as main contact point for CRO, CFO, CEO, major shareholder (KB KookminCard), regulators and external auditors; represent team at executive forums and resolve cross-functional risk trade-offs.
• Translate complex analytics into clear executive narratives, present strategic risk insights to senior management and support board/HQ-level discussions with risk-informed business strategies.

Qualifications

• 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 a career in credit risk management, IFRS 9/ECL, risk modeling and 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 and model governance.
• Familiarity with advanced statistical modeling tools, data engineering/modeling and BI & automation tools.
• Strategic and business acumen with ability to balance conservatism and growth and deep understanding of credit cost frameworks aligned with overall profit structure.