Senior Vice President - Risk Management & Compliance - Retail Banking

Here is a detailed, professional job description tailored to your requirements for a Banking Risk and Compliance professional.

This layout balances technical lending expertise with senior governance capabilities.

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Role Overview:

- We are seeking an astute and leadership-driven banking professional to join our Risk Management & Compliance department.
- In this critical role, you will be responsible for defining, driving, and safeguarding the bank's governance frameworks across both retail and corporate lending ecosystems.
- You will act as a strategic advisor on regulatory matters, ensuring that the banks credit risk frameworks, underwriting standards, and operational processes align seamlessly with shifting statutory mandates.
- This role demands a high-caliber professional who can masterfully balance regulatory implementation, rigorous audit governance, and high-impact stakeholder management.
Key Responsibilities:
Compliance Advisory & Regulatory Implementation:
- Act as a core advisor to business units on regulatory compliance matters impacting retail, corporate, and commercial lending portfolios.
- Lead the end-to-end regulatory implementation of updates from central banks and regulatory bodies, translating complex guidelines into actionable internal policies and banking workflows.
- Review, refine, and continuously update institutional lending guidelines and underwriting policies to mitigate operational and structural risks.
Credit Risk & Governance Frameworks:
- Oversee and enhance the bank's credit risk management and underwriting governance structures, ensuring proper risk-reward alignment across retail and corporate business lines.
- Design, implement, and maintain comprehensive risk-monitoring and compliance scorecards for banking operations.
- Drive a robust culture of risk awareness and absolute compliance across front-line, operations, and credit-underwriting teams.
Audit Management & Stakeholder Collaboration:
- Orchestrate and manage internal, external, and statutory audits relating to credit compliance and lending operations.
- Formulate robust corrective action plans (CAPA) to address audit observations, ensuring sustainable, institutionalized remediation.
- Manage complex relationships with internal and external partners, including senior executives, legal teams, auditors, and regulatory authorities through exceptional stakeholder management.
Required Candidate Profile:
Experience & Background:
- Industry Experience: Proven track record in a scheduled commercial bank or leading financial institution.
- Core Domains: Solid grounding in retail/corporate lending, credit risk, underwriting procedures, and core banking operations.
- Functional Depth: Demonstrable experience in managing compliance advisory workflows, regulatory audits, and structural governance changes.
Key Skills & Competencies:
Technical & Functional Skills:
- Deep knowledge of Regulatory Compliance guidelines.
- Strong understanding of Credit Risk & Underwriting mechanisms.
- End-to-end Audit Management expertise.
- Solid grasp of core Banking Operations frameworks.
Leadership & Professional Attributes:
- High-impact Stakeholder Management.
- Exceptional Analytical & Problem-Solving capability.
- Decisive leadership and Project Coordination skills.
- Strong Industry Networking expertise.
- Ability to multitask under tight regulatory timelines