Deputy Risk & Compliance Manager

Jobs in Myanmar, jobs in Yangon - Legal & Compliance jobs - Deputy Risk & Compliance Manager

Company: Early Dawn Microfinance
Company description:

Our Mission is to provide a wide range of high-quality financial services to the underserved, reaching low-income people, microentrepreneurs, and small enterprises across Myanmar.

Our Vision is to be the best microfinance institution in Myanmar, improving the lives of the families we serve.

Our Values are Respect, Excellence, Innovation, and Passion for Social Change.

We are looking for

Early Dawn Microfinance Company Limited - DAWN - is a microfinance institution that currently serves over 83,000 clients in 18 Townships throughout Yangon, Bago, Magwe, Mon and Kayin Regions in Myanmar. We are fast growing company with almost 300 employees with plans to expand to new townships with 50,000 new clients and an obvious need for addition staff. DAWN is registered with the Ministry of National Planning and Economic Development and was granted a license by the Financial Regulatory Department to provide credit for small business, educational and agricultural purposes.

Job description
1. Portfolio performance tracking and analysis:
• To monitor and evaluate performance indicators of the portfolio and study the trends for business growth, product acceptance, product cycle stage, and risk levels.
• To review the credit portfolio and propose appropriate corrective measures are initiated to ensure that overall business plan objectives are met and advise management through timely reports.
• Monthly RMC (Risk Management Committee) meeting data collection and preparation.
2. Credit Cycle process reporting
• To analyze the Risk Management Reports
• To Conduct on-going review and analysis of the credit portfolio to determine delinquency patterns and recommend appropriate action
• To visit periodically the branches to evaluate and update the Risk Maps. Produce the necessary reports from the system in order to provide the Risk Manager with enough information to carry out its functions.
• To evaluate the credit process flow to identify opportunities for improvement and coordinate the implementation of the corrective tools.
• To monitor and review loan officer productivity levels and advise Commercial and Operations for appropriate action.
• To supervise the accomplishment of the risk exposure and authorization limits and generate periodic reports on results.
• Ensure the loan process and credit-underwriting activity is fully compliant with internal and external policy and procedure.
3. Portfolio Growth, Account maintenance and Recovery strategies definition
• To participate in the generation of Management strategies, based on risk and profitability models, with the purpose of optimizing account growth, customer acquisition, and portfolio profitability.
• To support the business in the identification of Operational and Market related risks, generating the adequate documentation and control tools where applicable.
• Engage in delinquency management and follow up the recovery plans.
4. Credit and risk policy implementation
• Assist Risk and Compliance Manager for developing risk policies and procedures, risk limits and approval authorities.
• To collaborate in the development of policy and process guidelines for new products or commercial initiatives.
• Provide assistance on the implementation of all aspects of the risk function, including implementation of processes, tools and systems to identify, assess, measure, manage, monitor and report risks.
• Perform risk assessments by identifying the key risks and assessing mitigating controls to determine the risk profile for the organization.
• Maintain an inventory of internal controls map them to key risk areas
• To work with commercial and operation Units to optimize credit policies
• Prepare risk, control and compliance evaluation reports
• Develop reports to analyze and advice on risk perceptions and recommended options to mitigate risks
• To review the compliance of the norms related to risk management that are issued by the banking regulators.
5. IT Risk
• Identify potential risks and develop procedures that staff must follow to reduce or manage those risks.
• Play an active role in creating and implementing policies that are designed to demonstrate compliance with industry regulations.
6. Audit and Compliance
• Ensure overall coordination of audit and compliance activities at the head office and branches.
• Ensure compliance issues are reported to the line managers and follow up to ensure prompt compliance- Line Reporting
• Provide control and compliance evaluation report to the management on monthly basis-Management Reporting
• Create awareness in the bank on prevention, detection and correction of fraud across the bank’s network.
• Conduct regular spot visits and supervision of Branch and HO control Staff, identifying and solving operational risk event like fraud, misconduct, customer complaints or staff conflicts.
• Ensure the implementation of the branch over the recommendation by internal & external audit.
• Provide follow up on approved recommendations of internal and external auditors to ensure timely compliance.
• Maintain a risk and compliance register based on the identified applicable laws and regulations, fraud schemes, and AML considerations.
• Be a point of contact on AML/KYC, Conflicts of Interest and other compliance related issues.
• Ensure fully compliance with law, directives, notification and order issued by Financial Regulatory Department.
• Advise management of any possible area of policy weakness and recommend amendment as appropriate.
• Custody of all bank’s policies, process and key function documents
Desired Skills and Expertise
• Bachelor’s Degree in economics, Industrial Engineering, Finance, Mathematics, Statistics, or Business. Master’s degree is preferred.
• Experience of 5 to 10 years in Individual lending operations in a Bank or MFI.
• Strong knowledge in Credit Risk Management and loan portfolio management.
• Knowledge in Counter party, Market and Operational Risk.
• Knowledge of standard reports required for Credit Business Management, and experience ensuring data-integrity and timely delivery.
• Background and strong knowledge in financial analysis.
• Background and strong knowledge in data analytics.
• Understanding of legal, compliance and regulatory framework.
• High proficiency in MS Office, specially Excel.
• High English Proficiency (written and spoken)
• Excellent relationship management with good presentation skills.
• Must be adaptable, innovative
• Strong analytical skills
• Team player and team spirit
• Excellent oral and written communication skills.
• Customer-service oriented.
• Strong interpersonal and relationship building skills.
• Ability to multi task and prioritize
• Results and goals oriented
• Ability to work independently
Language skills
We offer
• Male/Female
• Salary is negotiable
Work location
No.587, 3rd Floor, The Regency Offices, Pyay Road, Kamayut Township, Yangon,Yangon, Myanmar
State/District: Yangon (Rangoon)
More information
Job Category: Legal & Compliance jobs
Company Industry: Deputy Risk & Compliance Manager
Employment Type: Other
Full time: YES
Job posted: 14/7/2019
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