Assistant Vice President, Credit Portfolio Analysis - 12 month Fixed Term Contract

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Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.

With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.

Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.

Overview Of The Department/Section

Credit Strategy Group (CSG) implements and facilitates the Chief Credit Officer’s (CCrO) responsibilities for credit portfolio risk management and ensures a robust operating environment to managing credit risk. CSG in EMEA is responsible for:

• Defining Credit Strategy and Credit Culture through Credit Risk Appetite and Credit Risk Policies & Procedures.
• Providing insight into portfolio risks and proposing optimisation strategies to Front Office.
• Identification of emerging risks (e.g. single name, country, sector) and highlighting portfolio vulnerabilities.
• Ensuring a robust Risk and Control environment to support the Credit Risk Framework
• Supporting global and EMEA Credit Risk Management.

This function includes the following teams: Credit Risk Policy & Framework (CRPF), Credit Portfolio Analysis (CPA) and Credit Solutions Management (CSM).

Main Purpose Of The Role

• To support the Head of CSG for EMEA and all CSG Team Heads with initiatives including and not exclusive to credit risk, portfolio reporting and Management Information (MI).
• To provide insights, analysis and support across the three lines of defence in EMEA. This would involve being a central contact point and liaison for stakeholders; coordinating queries and requests with CSG team members accordingly.
• To partake in the maintenance, upkeep and enhancement of the core credit risk system in EMEA, across Bank and Securities.
• To provide team members technical, logistical and diligent support with their day-to-day activities.

Key Responsibilities

• Support the Head of CPA with preparation of CPA materials for the EMEA Risk Management Committee (ERMC), EMEA Credit Risk Committee (ECRC) and other committees/foras as required.
• To provide portfolio reporting materials and MI for the ECRC, other EMEA forums and initiatives as requested by senior management and stakeholders.
• To conduct and circulate regular portfolio analysis, insights, MI and reports to stakeholders in Front Office and Credit.
• To partner with counterparts across different global offices and actively seek opportunities for alignment, collaboration and consistency.
• Contribute towards establishing analysis, reports and MI to control and monitor EMEA’s Credit Risk Appetite and Industry Concentration frameworks.
• To partake in the maintenance, upkeep and enhancement of the core credit risk system in EMEA.
• To engage in projects and working groups related to credit risk, portfolio reporting, credit systems, MI and credit strategy across the group.
• Support the remediation of Self-Identified Issues, regulatory findings and audit points.
• To monitor and report credit risk insights for the EMEA booked portfolio, ensuring a proactive, transparent and rigorous approach to the management of credit risk and escalation of issues.
• Provide consultation and advising on the bank’s policies and procedures. Give guidance to staff members and other areas of the bank and coach/develop colleagues on these aspects.
• Propose risk management strategies, frameworks, policies and procedures to stakeholders in the bank.
• To partner with front and product offices and contribute to the development of the organisational credit strategy for respective sectors/ regions.
• Ensure effective communication across all levels of management with internal and external stakeholders within EMEA and other regions.  Represent CSG or own group effectively in various occasions, equip management and staff members with knowledge by sharing information appropriately in a timely manner.
• Provide staff members with appropriate tools and resources to carry out their duties.
• Be a point of contact for junior staff members in relation to credit risk, portfolio analysis, reporting and producing MI.

Work Experience

Essential:

• Extensive experience in Credit Risk Management, especially related to portfolio reporting and MI.
• Experience in resolving regulatory and audit issues related to credit and credit risk.
• Experience in using data from different sources to perform portfolio analysis.

Preferred:

• Minimum 3 year experience on credit risk activities associated with Global Corporates.

Skills And Experience

Functional / Technical Competencies:

Essential

• Sufficient knowledge Credit Risk Management in Commercial Banking.
• Prior experience of conducting Portfolio Analysis at different levels of granularity.
• Excellent Microsoft Office skills.
• Prior experience of using data visualization tools such as MS PowerBI and Tableau.

Preferred:

• Prior experience of using SQL.
• Prior experience of using Visual Basic for Applications (VBA).
• Regular monitoring of Financial Markets and Macroeconomic events.
• Prior experience of using Python.

Education / Qualifications:

Essential

• Bachelor Degree

Personal Requirements

• Excellent communication skills.
• Stakeholder management and effective communication.
• Results driven, with a strong sense of accountability.
• A proactive, motivated approach.
• The ability to operate with urgency and prioritise work accordingly.
• Strong decision making skills, the ability to demonstrate sound judgement.
• A structured and logical approach to work.
• Strong problem solving skills.
• A creative and innovative approach to work.
• Excellent interpersonal skills.
• The ability to manage large workloads and tight deadlines.
• Excellent attention to detail and accuracy.
• A calm approach, with the ability to perform well in a pressurised environment.
• Strong numerical skills.
• Excellent Microsoft Office skills.

We are open to considering flexible working requests in line with organisational requirements.

MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership.

We make our recruitment decisions in a non-discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law.