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Consumer & Micro Business Finance Manager

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One of Malta's leading banks is currently looking for a Consumer & Micro Business Finance Manager to join their growing team. The successful candidate will be reporting directly to Group Chief Retail Banking Officer.

Responsibilities:
  • Developing and maintaining profitable lending and deposit relationships with both new and existing personal and small business clients
  • Building and deepening the understanding of the bank’s retail banking client base
  • Leading business initiatives to support the department and Bank’s objectives, including the determination of the overall team structure and interaction
  • Defining and approving recruitment requirements and managing resource allocation across review execution, considering skill-set and development objectives and risk allocation
  • Leveraging relationships to deepen awareness of credit trends and fostering open dialogue across teams
  • Sharing regulatory concerns and areas of focus to enhance team awareness
  • Driving opportunities to understand and promote data analytics initiatives that support the department objectives
  • Engaging in industry and business forums to maintain current knowledge of the business and recommending changes when needed, whilst attending Risk Committee and other pertinent portfolio meetings regularly as may be required
  • Influencing credit review methodology and operating processes across the department, by ensuring the methodology keeps pace with environmental changes
  • Distinguishing and evaluating cyclical and secular industry trends, and the impact on client risk whilst serving as an information resource on consumer credit products, consumer credit risk, and policy
  • Ensuring consistent application of the Bank’s credit risk policy, credit procedures, consistency of credit review approach and compliance with methodology across the business
Requirements:
  • MQF Level 6 Degree in Banking and Finance or in a related subject
  • Minimum of five (5) years’ in a leading position in a credit business environment
  • Possess a deep knowledge of balanced scorecards, Bank’s distribution channels, Consumer Finance Product Suite, Consumer finance regulation and legislation, and financing of microbusiness