Credit & Portfolio Management - Vice President

Profile Summary

• Act as a core member of the Portfolio Management Team, with primary responsibility for portfolio management activities, including balance sheet optimization, capital efficiency, and portfolio-level risk management across the MEA portfolio.
• Lead and drive portfolio strategy and capital optimization initiatives, including asset recycling, secondary distribution, and structural balance sheet efficiency improvements.
• Contribute to the enhancement of portfolio transparency and decision‑making through the continuous improvement, maintenance and effective use of portfolio analytics, dashboards, and reporting tools.
• Execute robust and proactive post-execution credit monitoring with a strong focus on early risk identification, structured escalation, and portfolio discipline.
• Serve as an independent credit quality assurance and checker function, working closely with Portfolio Management, Credit, Business, and Operations stakeholders to safeguard credit standards.

Duties and Responsibilities

Portfolio Management & Capital Optimization

• Lead portfolio management initiatives aimed at optimizing balance sheet usage and capital efficiency across the MEA portfolio.
• Enhance and manage portfolio frameworks and metrics to support disciplined, repeatable capital allocation, recycling, and exit decisions at a portfolio level, with appropriate benchmarking.
• Drive capital optimization and RWA efficiency initiatives through structured planning, execution, and ongoing portfolio monitoring.
• Lead and coordinate capital release and portfolio optimization activities, including structured solutions and secondary market approaches, in collaboration with relevant internal stakeholders.
• Partner with internal teams to evaluate and execute portfolio‑level initiatives in line with risk appetite, capital priorities, and overall business strategy.

Operational Efficiency & Portfolio Infrastructure

• Drive improvements in portfolio management infrastructure, including process optimization and reduction of manual inefficiencies within portfolio‑related workflows.
• Lead the ongoing enhancement, maintenance and effective utilisation of regional portfolio management dashboards to improve transparency, monitoring, and decision‑making.
• Support clearer ownership, standardized procedures, and stronger controls across portfolio‑related middle office activities.

Credit Monitoring & Control

• Perform accurate, timely, and proactive credit monitoring responsibilities across the MEA portfolio, including financial and non‑financial covenant monitoring.
• Ensure rating renewals are completed accurately and in full compliance with internal policies, coordinating with relevant stakeholders to prevent delays or omissions.
• Identify, assess, and escalate covenant breaches, potential breaches, or early signs of credit deterioration in accordance with internal policies and escalation frameworks.
• Maintain complete, accurate, and audit‑ready documentation relating to covenant monitoring, rating renewals, and ongoing credit conditions.

Credit Quality Assurance & Checker Role

• Act as a primary checker and quality gatekeeper for credit applications, rating applications, loan agreement checklists, execution checklists, and related credit documentation submitted by Credit team.
• Ensure submissions are accurate, consistent, and aligned with approved credit terms and internal policies prior to approval, minimizing rework and execution risk.
• Support strong credit governance through disciplined review standards, documentation control, and adherence to policy requirements.

Team Contribution

• Share knowledge and provide guidance to junior team members where required.
• Undertake ad‑hoc tasks and projects as requested by the Head of Portfolio Management in line with the team priorities.

Qualifications, Skills and Experience

• Bachelors Degree or equivalent
• Great organisational and time management skills
• Excellent communication skills
• Strong numerical and analytical skills
• Customer-centric career experience
• Demonstrable ability to innovate, support change and problem solve
• Collaborative nature to contribute to a successful team performance
• Sound knowledge of the Banking Industry
• High level of computer literacy and skills in data manipulation / presentation
• Language skills are an asset, but not essential

At Mizuho, we embrace flexible ways of working when the role permits. We offer different working arrangements like part-time, job-sharing and hybrid (office and home) working. Our purpose-led culture and global infrastructure help us connect, collaborate, and work together in agile ways to meet all our business needs.

At Mizuho we are committed to supporting equality, diversity and equality, and seek to create a workplace that is fully inclusive. We welcome applications from all sections of the community that we operate in and from all ethnic backgrounds, sexual orientation, beliefs, gender identities and disabilities.

If you require more information about our equal opportunities policy or wish to discuss any accessibility requirements or reasonable adjustments please contact the recruitment team – recruitment@mizuhoemea.com and we will be happy to help.