IFIC Bank PLC

Master`s in Business, Finance, Accounting, Economics, Banking, Marketing or related fields from a reputed university with no 3rd division/class in any examination.

• At least 20 years
• The applicants should have experience in the following business area(s): Banks

• Age At most 55 years
• A Minimum 20 years of experience in Banking and NBFI, including at least 5 years in senior management positions with significant responsibility for credit management, credit risk and credit decision-making.
• Proven experience in managing diversified credit portfolios, including corporate, Retail, SME and other major banking segments.
• Strong understanding of Bangladesh Bank`s prudential regulations, credit risk management guidelines, IFRS 9, large loan/concentration risk and recovery frameworks.
Personal Attributes• Strong analytical, negotiation, decision-making and stakeholder-management skills, with the ability to exercise sound judgment in high-value and high-risk credit matters.
• Demonstrated ability to lead large teams and effectively coordinate with Branch Business, Risk, Recovery and Senior Management.
• Ability to analyse different sectors and industries to forecast their growth and non-growth.

Apply for a Defining Role in Credit LeadershipWith over 1400+ branches and sub-branches (Uposhakhas) nationwide, IFIC Bank PLC holds the distinction of being Bangladesh's largest bank by network. Today, IFIC Bank offers a full suite of banking services-including corporate, retail, SME, investment banking, digital and Islamic products-and is committed to sustainable growth, best-in-class service delivery and diversified portfolios. Led by an experienced Senior Management team, our strategic focus includes expansion of retail, MSME, and corporate operations, risk management, and digital transformation. As part of its strategic focus on strengthening credit governance and enhancing portfolio quality, the Bank is seeking an accomplished senior banking professional to serve as its Chief Credit Officer (CCO).The CCO will provide strategic leadership over the Bank's credit function, ensuring disciplined credit growth, robust underwriting standards, sound portfolio quality and effective management of credit risk in line with the Bank's strategy and applicable regulatory requirements.Job location: Head Office, Dhaka.KEY RESPONSIBILITIES:• Lead the Bank's credit strategy, policies and governance in line with business and risk objectives.
• Oversee the end-to-end credit process, ensuring sound appraisal, approval, documentation and monitoring.
• Monitor portfolio quality, asset classification, provisioning, concentration and sectoral risks.
• Ensure healthy asset quality through prudent diversification across business segments and sectors.
• Provide strategic oversight to the Credit Committee/Credit Risk Review Committee and ensure sound, independent and well-documented credit decisions.
• Ensure compliance with Bangladesh Bank regulations and the Bank's internal credit policies.
• Work closely with the Managing Director, CRO, business, and compliance teams to balance growth and credit risk.
• Provide Senior Management and the Board with insights on asset quality, portfolio risks and emerging vulnerabilities and strategic decisions on early-alert accounts.
• Lead and develop the credit leadership team, building a high-performing and capable credit function.
• Promote a culture of credit discipline, accountability, integrity and prudent risk-taking.

Remuneration Package: Competitive and commensurate with qualifications, experience and industry standards.