Director, Stressed Assets Group

As Director, Stressed Assets Group, you will support the Regional Head of Credit Portfolio Management (CPM) and Regional/Area Head of SAG in developing and executing portfolio strategies for stressed and potentially stressed exposures across the Middle East region.

You will lead the proactive management of non-performing and classified assets, contribute to early-stage risk identification, and drive mitigation strategies that enhance returns, reduce portfolio volatility, optimize regulatory capital, and improve overall balance sheet efficiency.

• Manage and monitor stressed and deteriorating credit exposures across the Middle East portfolio.
• Drive recovery strategies and workout plans for non-performing loans and problem accounts.
• Partner with Relationship Managers and Risk teams to identify emerging risks and implement timely mitigation actions.
• Support the management of CG12, CG13 and CG14 exposures through restructuring, deleveraging, secondary distribution, hedging, and other risk reduction initiatives.
• Provide guidance on credit grading, provisioning, and portfolio management actions.

• Maximize recoveries while improving capital efficiency and overall returns.
• Support optimization of Risk Weighted Assets (RWA), liquidity, and Return on Tangible Equity (RoTE).
• Assess strategic options for stressed assets, balancing accounting outcomes against economic value.
• Contribute to reducing concentration risk and releasing regulatory capital to support business growth.

• Deliver portfolio analytics and forward-looking credit migration assessments.
• Enhance portfolio transparency through meaningful reporting on risk, cost, recovery, and mitigation outcomes.
• Support the development of data-driven approaches to credit risk management and portfolio optimization.
• Identify opportunities to improve portfolio composition and strengthen origination discipline.

• Ensure compliance with the Bank's Problem Accounts Management Standards and relevant governance frameworks.
• Maintain strong oversight of operational, conduct, regulatory, and reputational risks.
• Escalate significant issues and material impairments to senior management and governance committees as required.
• Support audit, compliance, and regulatory reviews while ensuring timely resolution of findings.

• Build strong partnerships across Coverage, Credit Risk, SAR, Finance, Legal, CFCC, Global Credit Markets, and Financial Markets teams.
• Represent the Bank in discussions with external stakeholders including investors, advisers, legal counsel, regulators, restructuring specialists, and distressed asset funds.
• Influence strategic decision-making through clear communication of portfolio risks and opportunities.

• Data Analysis
• Financial Analysis
• Financial Statement analysis
• Business markets
• Capital management
• Commercial Loan review
• Portfolio Management
• Financial Products and Markets
• Asset and Liability Management (ALM)
• Legal analysis

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you.

You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

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