Senior Credit Risk Manager

Senior Credit Risk Manager - FIG Credit role at MUFG Do you want your voice heard and your actions to count? Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long‑term relationships, serving society, and fostering shared and sustainable growth for a better world. With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. Overview EMEA Financial Institutions Credit Risk Management (“FIG Credit”) is a Credit Risk team within the 2LoD Risk department, responsible for Credit Risk Management inclusive of review and approval for a diverse set of FI counterparties within the EMEA region. The portfolio spans developed and emerging markets clients across a range of borrowing, trade finance, trading products and non‑recourse structures, securities inventory and country risk. FIG Credit is entity agnostic and responsible for 2LoD Credit Risk Management for MUFG Securities (MUS) and MUFG Bank (MUBK). Primary Responsibilities Support 1LoD by developing risk and counterparty frameworks that promote MUFG’s business plan by balancing commercial and risk considerations. Ensure Credit Risk frameworks and appetite are well communicated across MUFG and in line with Chief Credit Office’s and Chief Risk Officer’s expectations. Onboard new counterparties, conduct periodic reviews, set limits and assess ratings. Approve annual reviews and ad‑hoc transactions within delegated credit authority. Review Credit Risk terms in legal documentation across loan and trading products. Monitor, review, and take action to keep Credit Risk exposure within appetite and address breaches. Monitor counterparty, industry and market developments relevant to the portfolio. Participate in projects to enhance Credit Risk systems and measures or address audit/self‑identified issues, including international collaborations with APAC, US and Japan. Direct Reports 2–3 direct reports Main Purpose of the Role Report to Head of FIG Credit EMEA, supporting efficient and proactive Credit Risk Management on behalf of the Chief Credit Officer EMEA, Chief Risk Office EMEA and International Chief Risk Officer MUS. Act as a senior credit approver with material delegated credit authority across MUS and MUBK and all counterparty types and products. Focus on growth areas including structured financing solutions for financial sponsors, insurance companies and banks/non‑bank lenders against private credit loans, structured margin loans and repo/TRS transactions. Drive the development of risk frameworks, risk measures and coordinate rating enhancements for these products. Proactively review and implement changes to credit risk processes, measurements and procedures in line with business plan and regulatory expectations. Support Head of FIG Credit EMEA in developing an organisational structure that supports the business plan and FIG strategy. Collaborate across FIG teams in different regions and with FI Credit Office in Tokyo. Act as deputy for risk committees, interaction with regulators, and coverage when Head of FIG Credit EMEA is absent. Key Responsibilities Planning and strategy development across the portfolio with a focus on higher growth areas such as financial sponsors. Monitoring and acting on risk within delegated authority across MUS and MUBK. Ensuring direct managers and senior stakeholders are updated on key portfolio and risk developments. Enhancing credit risk controls for new product frameworks, including structured financing solutions. Maintaining compliance with internal risk and external regulatory requirements. Supporting regulator interactions and internal stakeholder responses. Promoting the development of internal systems, procedures and controls. People Management Build a high‑quality team via recruitment, restructuring and internal development. Ensure all staff are fully trained, objectives and development plans are in place, and performance reviews are conducted annually. Handle grievance or disciplinary issues appropriately. Delegate regulatory and other responsibilities appropriately and ensure staff understand their duties. Promote a positive work environment. Relationship With Other Functions and Stakeholders Maintain and enhance good working relationships with stakeholders across the region and globally to share best practices, provide support, and develop effective local policies and procedures aligned with the Company and the One MUFG strategy. Work Experience +15 years’ experience in Credit Risk Management with approval authority and MRT status. Long‑standing management experience. Experience presenting and representing Credit Risk at senior management level and in front of regulators. Relevant experience in credit risk with a focus on a wide range of FIG client and products, specifically structured financing solutions. Good product knowledge covering corporate lending, derivatives and trade finance. Familiarity with key regulatory frameworks and banking regulations that impact credit risk management. Skills and Experience Strong analytical skills with experience from new product adoption and structured financing solutions. Strong knowledge of corporate finance, capital markets, traded products and credit/market risk principles. Close familiarity with credit risk measures including PFE and stress scenarios; knowledge of market risk measures is an advantage. Experience in opinion on legal documentation from a credit perspective across loan, guarantee and traded products (ISDA/CSA/IM/GMRA/GMSLA/CDEA). Experience leading complex risk projects including regulatory remediation. Education / Qualifications Bachelor’s Degree or equivalent (essential). Master’s Degree and relevant industry accreditation (beneficial). Deadline This advert will close 4th December 2025. We are open to considering flexible working requests in line with organisational requirements. Equal Employment Opportunity MUFG is committed to embracing diversity and building an inclusive culture where all employees are valued, respected and their opinions count. We support the principles of equality, diversity and inclusion in recruitment and employment, and oppose all forms of discrimination on the grounds of age, sex, gender, sexual orientation, disability, pregnancy and maternity, race, gender reassignment, religion or belief and marriage or civil partnership. We make our recruitment decisions in a non‑discriminatory manner in accordance with our commitment to identifying the right skills for the right role and our obligations under the law. #J-18808-Ljbffr