Credit Planning, Associate

Role Overview

This position supports the Chief Credit Risk Officer as well as Co-Head(s) of CDAD as a business management and coordination function, reporting to the team head in Credit Planning, CDAD. The team is responsible for developing, recommending, communicating and implementing credit risk management policies, strategies and operational guidelines for the organization and its various financial products. The role is responsible for reporting credit risk related reports/documents, to senior management, head office, and regulators.

Role Description

Strategic Initiatives

• Drive enhancements in credit risk management processes, including updates to credit-related policies, manuals and systems.
• Support cross-functional projects by providing data analysis, visualizations, and presentation materials.
• Coordinate with stakeholders in Americas Division and Head Office (Tokyo) to facilitate enhancement and transformation of risk management framework.

Credit Planning & Risk Management

• Provide insights into risk profiles of the portfolio, including reserves, write-offs and other risk metrics for problematic assets and higher risk sub-portfolios.
• Identify emerging risks to the portfolio through analysis on economic, financial, and regulatory environments.
• Prepare materials and orchestrate communications for management committees, regulatory affairs, and internal / external audits.
• Maintain communication with Credit Officers and Front Office leaders to ensure alignment with credit risk policies and guidelines.

Training & Team Support

• Lead training and orientation for new team members, sharing institutional knowledge and best practices.
• Undertake additional tasks and projects as assigned, contributing to departmental goals and risk leadership initiatives.

Qualifications and Skills

• Solid foundation in finance is essential; prior experience in the financial services industry is preferred.
• Strong analytical abilities to handle and visualize data; intellectual motivation to identify key structure through research and analytic work
• Excellent interpersonal, written, and verbal communication skills
• Bachelor's degree or equivalent required. Master's degree preferred.
• Business fluency in English and Japanese is preferred.
• Strong proficiency in Microsoft Office applications, including Excel, PowerPoint, and Word.
• Attention to detail
• Collaborative and team-oriented mindset