Manager, GF FP&A - ECL Management & Analysis

Job description

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

• 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.
• 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.
• 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.
• 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