Credit Policy & Governance Operation Manager (AVP/VP level)

Credit Policy & Governance Operation Manager (AVP/VP level)

Ref: TY46022

Sector: Finance (Banking/Securities/Insurance)

Type: Full-time, Temp/Contract/Project

Location: London

Salary (Annual): An international bank in Central London is looking for an AVP for Credit Policy & Governance to join their team. Reporting to the Team Head of Policy & Governance, you will be responsible for the day-to-day operation of the Governance team.
Fluency in Japanese and prior experience in credit policy and governance are a must for this role.

ELIGIBLE APPLICANTS:
- (O) Eligible visa: Permanent residence, Spouse, Partner
- (O) NOT eligible: Student visa, Requiring visa sponsorship, YMS, Graduate

WORK TYPE: Hybrid working available (2 or 3 days in office)
VISA SUPPORT: No

TYPE: Temporary, full-time, initially until the end of June 2026 (There is potential for extension)
WORKING HOURS: 9:00-17:00 from Monday to Friday
SALARY: £350 – 400 per day depending on experience (including 25 days holiday allowance, equivalent to £79,500 – 90,000 per annum)
START: ASAP
LOCATION: Central London (Currently hybrid working – It may change depending on the company’s decision.)

AVP - Credit Policy & Governance Main Responsibilities:

1. Manage the process of producing the EMEA KRI, CD KPI and other Management Information (e.g. Condition & Instruction management, Send-Back analysis, Trigger management) reports.
2. Guide and train junior members of staff in the team.
3. Provide practical solutions to all staff of EMEA (Front Offices, Risk Management Department, Operation Administration Department, The Credit Department) on how to apply the bank’s credit policy and rules in day-to-day business (100-150 inquiries monthly).
4. Assess and challenge the design of management framework and reporting processes. Recommend and implement changes to framework.
5. Conduct robust root cause analyses across the bank on identified risk events or complaints to recommend improvements regarding the bank’s rule, procedure, IT system and application process. Produce thematic analysis on incidents to propose new rules/procedures to the relevant department.
6. Manage system change projects to fix/improve TMS (Lotus Notes), DDT, SC database, GBR, EIC, Credit Application Tracking system (web-based).
7. Ensure that the department has adequate written policies and procedures in place with appropriate governance over responsible areas of the department together with RMD and CIPD.
8. Take ownership for the timely remediation of findings raised in the operation review, first line of defence functions or third line of defence functions and work with Operation Management function of Credit Risk Policy and Operation Supervisory team to ensure that issues are appropriately resolved to prevent reoccurrence.
9. Provide training to all levels of risk functions in the bank in the area of bank’s Credit Risk Management Framework in close collaboration with relevant departments – create training materials and deliver training on internal policy and rules. Be comfortable with public speaking.
10. Work in partnership with enabling functions in the Bank to ensure that controls are adequately identified and monitored.
11. Demonstrate commitment and attention to delivering an excellent service from the Policy & Operation Supervisory team.

AVP - Credit Policy & Governance Ideal Candidate:

1. Good understanding of Credit Risk Policy, Rules and Procedures, especially credit risk models and general operations and procedures in Front Office origination to execution, sell process, provision and write off under IFRS and J-GAAP.
2. Relevant experience with the financial industry and related markets gained within an environment where a mature operational risk process has been developed.
3. Excellent team worker with the ability to provide support and oversight of risk management frameworks, being comfortable with communicating with various levels in organisations both verbally and in writing.
4. Ability to understand challenges, build new operational models and communicate them to senior management to gain their support.
5. Strong analytical and problem-solving skills to conduct work methodologically.
6. Comfortable discussing issues with senior staff and able to find solutions amicably.
7. Excellent track record of implementing business change and/or IT system projects in a global organisation in a leading role.
8. Excellent business analysis skills and able to be a go-to person quickly in a new field.
9. Flexible and collaborative to achieve goals in complex and cross-organisational environments.
10. Business level fluency in both English and Japanese.
11. Excellent knowledge and experience in using big data on Excel, Access and/or RDB.
12. Able to communicate in both English and Japanese.

All applicants must have the right to work in the UK without any restrictions as the Company is not able to offer visa support.