Manager, GF FP&A - ECL Management & Analysis

Job Title : Manager, ECL Management & Analysis

Division : Group Finance

Department : Financial Planning & Analysis

Section : ECL Management & Analysis

Job Purpose:

Support Group performance management on Expected Credit Loss (ECL) and asset quality by supporting the execution of end-to-end ECL target-setting and forecasting activities, providing timely analytics and insights that enable the Head and senior stakeholders to steer performance, protect asset quality, and deliver sustainable earnings across Retail and Non-Retail businesses.

Support early warning monitoring and forward-looking portfolio diagnostics, analyse risk signals and prepare Exco-ready materials through close partnership with Country Finance, Group Risk, and business stakeholders across CIMB Group's operating countries.

Key Responsibilities

1. ECL Target Setting & Forecast Execution

• Support Head/Lead in executing the Group ECL target-setting deliverables for budget/forecast cycles (assumptions, templates, timelines, consolidation) and support Head's recommendations for senior management endorsement.

• Perform portfolio and driver analytics (stage movement, mix, scenario impacts, overlays) to explain variances versus targets and provide forward-looking outlook.

• Review country submissions for completeness, consistency and reasonableness; document key judgements and ensure timely sign-offs.

2. Early Warning & Asset Quality Navigation

• Perform early warning monitoring for emerging risk signals (stage migration, watchlist/sector themes, vintage performance, delinquency trends, overlays), including trigger tracking and escalation to Head.

• Highlight key observations for Head/Lead to produce concise "so-what" insights and recommended management actions (risk appetite, underwriting/collections focus, sector strategies) in collaboration with Group Risk and business teams.

• Support deep-dive reviews on priority portfolios, sectors or countries, including thematic analysis and ad-hoc management requests.

3. Management Reporting & Exco-ready Materials

• Prepare monthly/quarterly ECL and asset quality performance packs, ensuring accuracy, clear storytelling, and alignment of Finance and Risk views.

• Maintain dashboards and standard MI; automate and improve reporting processes to enhance timeliness, transparency and controls.

• Assist in tracking agreed actions and follow-ups from governance/performance forums and support closure with stakeholders.

4. IFRS 9 Governance, Documentation & Stakeholder Management

• Support IFRS 9/MFRS 9 governance processes by coordinating documentation for key assumptions, overlays, and methodology changes, including evidence trails for audit readiness.

• Partner with Country Finance, Group Risk and relevant stakeholders to resolve data/issues, align methodologies, and ensure consistent application of policies.

• Assist in collating relevant information in relation to internal/external auditor and regulator queries on impairment and asset quality performance matters, under Head/Lead's direction.

Qualifications:

• Bachelor's Degree in Accounting/Finance, preferably with ACCA/ MICPA/ CPA/ ICAEW/ MIA

• Professional Qualification and/or Regulatory, Licensing requirements

Professional Qualification and/or Regulatory, Licensing requirements

• Preferred: Member of a recognised professional accounting body (e.g., MIA/MICPA/ACCA/ICAEW/CPA) and in good standing, where applicable.

• Strong working knowledge of IFRS 9/MFRS 9 governance requirements (including impairment policy, significant judgement/overlays, documentation and audit readiness) and ability to interface credibly with auditors and regulators.

• No specific statutory licence is typically required for this role; however, the roleholder must meet the Bank's internal fit-and-proper standards and comply with all applicable regulatory and governance requirements in the operating jurisdictions.

Relevant Work Experience

• Minimum 5-6 years' experience in banking/financial services, with strong exposure to asset quality and ECL (IFRS 9/MFRS 9) across Retail and/or Non-Retail portfolios.

• Experience in supporting Head/Lead in executing Group / Regional ECL target setting and forecast cycles, including consolidation, variance analysis, and coordination of country submissions.

• Experience in early warning / emerging risk analytics (stage migration, watchlist/sector signals, vintage performance, overlays) and ability to analyse findings and facilitate Head/Lead to translate into actionable insights for stakeholders.

• Demonstrated ability to collaborate with multiple stakeholders across Finance, Risk and business; experience prepare clear analysis and narratives to in reports / dashboards under guidance.

• Strong knowledge of financial reporting and regulatory expectations related to impairment and portfolio performance reporting in financial services.

• Strong analytical skills with proficiency in Excel and PowerPoint; exposure to SAS/SQL/BI tools and ability to work with large datasets and automation/MI enhancements is an advantage.

• Experience in project/change delivery (reporting transformation, governance improvements, methodology enhancements) across multiple stakeholders and timelines.

Required Competencies and Skills

• Accounting standards, concepts and treatments (IFRS/MFRS/GAAP) with strong emphasis on IFRS 9/MFRS 9 impairment and ECL governance.

• ECL methodology understanding (PD/LGD/EAD concepts, staging, SICR, overlays and management judgement) and ability to challenge drivers and outcomes across portfolios and countries.

• Asset quality and portfolio performance analytics, including stage migration, roll rates, vintage/cohort analysis, watchlist/sector monitoring and thematic deep-dives for emerging risk.

• Forecasting and scenario capability to support ECL target setting (budget/forecast), sensitivity analysis and forward-looking narrative for management decision-making.

• Strong knowledge of banking products, credit lifecycle and operating environment across Retail and Non-Retail businesses.

• Regulatory reporting requirements and guidelines across jurisdictions in the operating region; ability to support responses to audit/regulatory queries on impairment and asset quality matters.

• Strong financial and data analytical skills, including management information design, data lineage/control checks, and reconciliation between finance and risk views.

• Strong competency in MS Office (Excel, PowerPoint, Access and basic macro) with ability to produce Exco-ready packs and executive-level insights.

• Preferred: knowledge of SAS (or equivalent analytics tools) to support data extraction, analysis automation and reporting enhancements.

Non-Technical Skills

• Strategic Planning

• Leadership Capabilities

• Collaboration

• Prioritization

• Communication

• Change Management