Manager, GF FP&A - ECL Management & Analysis
CIMB Group · Malaysia
- 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