Head of SME

Company Description:

IPDC Finance, established in 1981, is the first private sector financial institution in the country, founded by a distinguished group of national and international entities. The company plays a pivotal role in the nation's private sector industrialization by providing innovative investment solutions and financing diverse projects. IPDC Finance aims to create streams of development in various industries, including education and healthcare, and is dedicated to generating employment, boosting government revenue, and fostering skills and technology transfer. Their pioneering services in the financial industry are driven by a passion for making a lasting impact on customers' lives and communities.

Role Description:

This is a full-time on-site role for the Head of SME at IPDC Finance, based in Dhaka. The Head of SME will be responsible for driving the overall growth of the company's MME, SME, and CMSME portfolios by leading a nationwide team. The role requires ensuring strong portfolio quality through effective risk management, achieving NPL and SMA targets, and proactively addressing delinquency with robust early warning systems. The Head of SME will oversee refinancing operations, maintain close engagement with Bangladesh Bank and external stakeholders, and strategically design business opportunities in specialized areas, including Women Entrepreneurship.

The position involves assessing creditworthiness, ensuring compliance with regulatory and governance frameworks, and identifying gaps in credit proposals while developing effective mitigation plans. The Head of SME will also play a critical role in aligning SME strategies with the company's mission and long-term priorities. In addition, the role includes mentoring and developing the team to foster a high-performance culture, driving succession planning, and improving operational efficiency through collaboration with internal stakeholders and branches.

Responsibilities:

• Drive overall growth of asset and liability portfolios of MME, SME, CMSME of the company through managing a team across the country.
• Maintain healthy portfolio quality by meeting NPL & SMA targets and proactively managing delinquency through early warning systems.
• Lead the refinancing team to build a sustainable refinancing portfolio to maximize spread besides maintaining close relationship with Bangladesh Bank and other external stakeholder.
• Strategically design, plan and generate new business opportunities in Women Entrepreneur arena.
• Assess creditworthiness of applicants using robust frameworks, ensuring alignment with internal/external credit guidelines and risk appetite to ensure sustainable growth of the company.
• Identify gaps in credit proposals, develop mitigation plans to reduce risks, and ensure adherence to compliance, regulatory, and governance frameworks.
• Contribute to the company's vision, mission, and long-term goals by aligning SME strategies with organizational priorities.
• Identify gaps between credit proposals and internal/external credit guidelines while developing and implementing mitigation plans to reduce credit risks.
• Lead, mentor, and develop the team, fostering a high-performance culture, succession planning, and talent retention strategies.
• Collaborate with internal stakeholders and branches to streamline processes, resolve operational bottlenecks, and improve cross-functional efficiency.

Application Procedure:

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