Head of Credit and Climate Risk Analytics - TJ / 1902307

Sindh Bank Limited is seeking a seasoned professional to join its Risk Management Division as the Head of Credit and Climate Risk Analytics, based in Karachi. This role is pivotal in managing credit risk analytics, portfolio monitoring, and evaluating climate-related financial risks within the Bank’s credit portfolio. The successful candidate will lead the development and enhancement of credit risk assessment models and analytical tools, conduct stress testing and scenario analyses, and prepare detailed risk reports. These efforts will support informed decision-making, effective risk management, and compliance with regulatory standards such as Basel II/III and IFRS-9.

Key Responsibilities

- Lead and supervise the development of credit risk models, including segmentation analysis to define customer risk groups and determine appropriate rating templates.
- Oversee data assessment, selection, and validation of rating templates to ensure alignment with portfolio risk profiles.
- Coordinate the creation of analytical tools through sample selection, data analysis, model validation, and testing to improve model accuracy.
- Implement overrides and exception handling mechanisms within risk rating processes.
- Prepare and present comprehensive credit, environmental, and social risk MIS reports, exception reports, and rating concentration reviews to senior management.
- Design and manage processes for reviewing data inputs into portfolio management tools and MIS reports to ensure data reliability for risk-based decisions.
- Collaborate with relevant departments to implement credit risk and portfolio management system requirements related to rating assignments and reporting.
- Monitor and evaluate existing rating templates, proposing enhancements based on portfolio quality, economic trends, and strategic priorities.
- Supervise the preparation and timely submission of regulatory reports to the State Bank of Pakistan (SBP), ensuring accuracy and compliance with Basel II/III and IFRS-9 standards.
- Maintain ongoing communication with data owners across the bank to ensure prompt and accurate data submission for regulatory reporting.
- Serve as the primary contact for SBP regarding regulatory reporting guidance and Basel framework implementation.
- Regularly review and update credit risk rating criteria and frameworks to reflect portfolio dynamics and regulatory changes.
- Support training initiatives for bank staff on risk rating procedures to ensure accuracy and consistency.
- Assist internal and external audit teams by compiling audit observations within deadlines and communicating findings effectively.
- Coordinate with internal stakeholders to streamline data submission processes and meet audit and regulatory requirements.
- Brief senior risk management leadership on regulatory report outcomes, including capital adequacy, credit risk, and climate risk stress testing.
- Collaborate with teams involved in model development, rating template refinement, and credit portfolio reporting to support comprehensive risk assessments.
- Coordinate system and application implementations related to credit risk modeling and provide periodic MIS reports aligned with IFRS-9 and Management Risk Committee presentations.
- Prepare relevant models and contribute to IFRS-9 implementation, focusing on credit risk impact analysis.
- Perform additional duties assigned by the Head of Risk Management Division to support broader risk management objectives.

Required Qualifications

- Minimum of a graduate degree; MBA preferred with specialization in Banking, Finance, Actuarial Science, or Environmental Sciences from a recognized university.
- At least 3 years of banking experience within a Risk Management Division.

Additional Information

- Age limit: Up to 50 years.
- Sindh Bank Limited is an equal opportunity employer and encourages applications from all eligible and qualified candidates, including persons with disabilities, regardless of gender or religion.

This role offers a unique opportunity to contribute to the integration of climate risk into credit risk management, aligning with evolving regulatory expectations and sustainable banking practices.