Unit Head, SME-IRM (SAVP-VP)

• 12 to 15 years
• The applicants should have experience in the following business area(s): Banks

• Masters
• Bachelor/Honors

Postgraduate degree in Finance, Accounting, Banking, Economics, Business Administration, or a related field.

• 12 to 15 years
• The applicants should have experience in the following business area(s): Banks

12-15 years in banking, with at least 3–4 years in SME Investment risk or investment appraisal roles. It can be relaxed in case of exceptional qualification or demonstrated capacity.

Soft Skills:

• Leadership & Decision-Making: Ability to make high-quality risk decisions, recommend mitigants, and approve within delegated authority.

• Analytical & Strategic Thinking: Strong capability to evaluate financials, cash flows, business viability, management quality, and sectoral risks.

• Clear reporting and recommendation writing to Head of SME IRM, Investment Committees, and boards.

• Excellent interpersonal skills to coordinate with branches, Shariah compliance, and business units.

• Attention to Detail & Compliance Focus: Ensure strict adherence to Shariah principles, internal policies, and Bangladesh Bank regulations.

• Problem-Solving & Process Improvement: Identify gaps, suggest mitigation, and recommend enhancements in appraisal and monitoring processes.

Investment Appraisal & Review

• Conduct thorough risk assessment and checking of submitted documents of SME investment proposals submitted by Investment Risk Analyst.

• Review financial data, cash flow projections, business viability, management capabilities, and sectoral risks.

• Ensure that structures comply with Shariah modes (e.g., Murabaha, Musharaka, Bai-Muajjal, Ijara).

• Identify gaps, weaknesses, and risks in proposals; recommend appropriate mitigants.

• Prepare independent Investment risk review notes with clear recommendations for approval, modification, or decline.

• Review Sanction Letter according to approved investment memo

• Visit business premises as and when required.

Portfolio Monitoring & Early Warning

• Monitor the performance of the assigned SME portfolio, including repayment behavior, raise early alert (if required) to respective unit

• Ensure periodic review and timely renewal of SME facilities.

Compliance & Shariah Adherence

• Ensure all SME Investment assessments comply with:

  i) Bangladesh Bank Investment risk management guidelines

  ii) AIBL’s internal investment policy

  iii) Shariah Supervisory Board directions

• Verify that documentation requirements are complete and compliant with Shariah contract structures.

• Support audits (internal, external, Shariah, Bangladesh Bank) by providing relevant risk documentation.

Reporting & MIS

• Provide regular updates to the Head of SME IRM regarding portfolio performance and risk events.

• Contribute inputs for quarterly board risk reports, risk dashboards, and SME portfolio analytics.

Process Improvement & Capacity Building

• Suggest improvements in SME appraisal processes, rating models, and risk-checklists.

• Promote a risk-aware culture across assigned regions.