BRAC Bank PLC. is building the future of banking in Bangladesh through trust, innovation, and inclusion. As a values-based financial institution, the bank empowers customers and businesses with responsible financial solutions while upholding the highest standards of compliance, governance and transparency. For professionals, BRAC Bank offers a platform where performance, integrity, and innovation thrive together.

The bank is seeking a qualified and purpose-driven professional for the following position within its Legal and Recovery Division:

Head of SAM–SME | Legal and Recovery Division

ABOUT THE JOB:
The job role is responsible for managing the recovery of distressed assets within the SME portfolio. This role involves implementing effective risk mitigation strategies, collaborating with internal teams, and overseeing a dedicated team to ensure the successful rehabilitation or recovery of distressed SME accounts. This role requires a combination of financial acumen, legal knowledge, negotiation skills, and strategic thinking.

KEY RESPONSIBILITIES:

Portfolio Oversight:

• Manage and oversee the Special Asset Management portfolio for Small and Medium Enterprises (SMEs), ensuring effective risk mitigation and recovery strategies.
  
• Lead and oversee the management of stressed accounts by developing, overseeing, and evaluating all appropriate mechanisms in terms of initiating timely action upon identifying stress, working out revival strategies, remedial measures for recovery of stressed assets and facilitating advisory.
  
• Comply with BRAC Bank’s code of conduct and policy guidelines, ensuring service quality, controlling fraud and forgery, and misappropriation.

Risk Assessment

• Conduct thorough assessments of distressed SME accounts, identifying potential risks and developing tailored solutions for rehabilitation or recovery.
  
• Improve standards of risk management, ensure early identification of non-performing accounts, ensure an enhanced return on assets and exploit profit opportunities for recoveries from provisioned accounts.

Coordination and Collaboration

• Work closely with SME Relationship Managers and Credit Teams to identify early warning signals and implement preventive measures for potentially distressed assets.
  
• Lead the discussion with lawyers and consultants on cases and court judgments to ensure lower risks of error and ensure assertive direction of actions.

Management Reporting

• Lead data analytics and analysis to assess the performance of distressed SME accounts and generate insights for continuous improvement.
  
• Monitor and present regular reports to senior management on the status of the special asset portfolio.
  
• Be the point of contact and represent the bank during lawsuit procedures.
  
• Monitor different projects of the departments to ensure non-violation.

Compliance and Reputation

• Ensure that all asset management practices comply with legal and regulatory requirements.
  
• Collaborate with legal teams to navigate legal complexities associated with distressed SME accounts.
  
• Adhere to the policies, laws and obligations of the bank, demonstrating appropriate risk assessment in terms of the bank’s reputation and image in the internal as well as the external environment to the bank.
  
• Conducting fair and ethical business practices and judgements which are compliant and adhere to upholding the bank’s reputation and ensuring transparency throughout the practices and workings of the Bank and providing corrective measures to the same.

Managerial Responsibility:

• Recruitment of staff in the Monitoring team as per the approved workforce plan.
  
• Managing performance of team members; counselling and coaching team members from time to time to improve their performance.
  
• Team engagement and retention.

FUNCTIONAL/TECHNICAL SKILLS:

• Proficient in Banking Fundamentals, Products, and Processes.
  
• Skilled in legal aspects of distressed assets, including loan documentation, bankruptcy laws, and legal proceedings.
  
• Strong in Relationship Management and Business Communication.
  
• Well-versed in Market Intelligence and industry knowledge.
  
• Effective negotiator with borrowers, legal professionals, and stakeholders to secure optimal recovery results.
  
• Digital Readiness – proficient in MS Office and Android/Apple platforms.

BEHAVIORAL COMPETENCY:

• Good interpersonal and communication skills.
  
• A positive attitude, along with strong leadership and decision-making skills.
  
• Highly motivated, energetic, customer-centric, a team player, and able to meet deadlines.
  
• Adapts quickly to regulatory changes, evolving business needs, and unforeseen challenges while maintaining compliance.
  
• Mastery of negotiating effectively with borrowers, legal professionals, and other stakeholders to achieve optimal recovery outcomes.
  
• Highest order of integrity.
  
• Proficiency in collaboration and in developing others.

KEY QUALIFICATIONS:

• Graduation or post-graduation from a UGC-approved university with a satisfactory academic track record, preferably in Business, Finance or a related field.
  
• At least 15-20 years’ management experience in a relevant field
  
• In-depth knowledge of banking regulations, credit risk management, and recovery strategies.

BRAC Bank is a values-driven organization that prioritizes protecting all its stakeholders, including coworkers and the community we work in, from harassment, abuse, neglect, exploitation, and discrimination. As an equal opportunity enabler, BRAC Bank encourages applications from individuals of any gender and persons living with a disability. We consider personal persuasion to be a disqualification of candidature.

If you are interested in taking up the challenge, please ‘Apply Online’.

Only shortlisted candidates will be notified of the next stage in accordance with the recruitment process. BRAC Bank reserves the right to accept or reject any application without assigning any reason whatsoever.

BRAC Bank does not charge any fee at any stage of the recruitment process.

Application Deadline: September 12, 2026