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 120,000 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. MUFG (Mitsubishi UFJ Financial Group) is one of the world's leading financial groups. Headquartered in Tokyo and with approximately 350 years of history, MUFG is a global network with around 2,300 offices in over 50 countries including the Americas, Europe, the Middle East and Africa, Asia and Oceania, and East Asia. The group has over 150,000 employees, offering services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. As one of the world’s leading financial groups with a vison to be the world's most trusted, we want to attract, nurture and retain the most talented individuals in the market. The size and range of MUFG's global business creates opportunities for our employees to stretch themselves and reap the rewards, whilst our common values, to behave with integrity and responsibility, and to build a culture which is fair, transparent, and honest, underpin everything that we do. We aim to be the financial partner of choice for our clients, whatever their requirements, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world. MUFG’s shares trade on the Tokyo, Nagoya, and New York (NYSE: MTU) stock exchanges. The group’s operating companies include, but are not limited to, Bank of Tokyo-Mitsubishi UFJ, Mitsubishi UFJ Trust and Banking (Japan's leading trust bank), Mitsubishi UFJ Securities Holdings (one of Japan's largest securities firms), and MUFG Americas Holdings. Please visit our website for more information - mufgemea.com. EMEA Internal Audit Office (EIAO), as the Bank’s third Line of Defence, and in accordance with the Global Institute of Internal Auditors (IIA) International Standards (IIA Standards), provides independent assurance to the Board and Executive Management on the quality and effectiveness of governance, risk management and internal controls to monitor manage and mitigate key risks to achieving the Bank’s objectives. MAIN PURPOSE OF THE ROLE The main purpose of the Credit Quality Assurance (CQA) Manager role is to lead the delivery of Credit Quality Assurance (CQA) deliverables across the regional portfolio. This is by its nature, a relatively small team of experienced, technical subject matter experts. The role therefore requires the person to: Demonstrate technical Credit Assurance capability in order to maintain oversight by the CQA team particularly when assessing scope, evaluating and validating credit decisioning and reporting issues in a constructive manner. Support the execution to the required standards of all CQA deliverables including assurance provided to support items including the Credit Rating Audit Committee governance process in Tokyo, assessment and review of the Banks quarterly provision booking requirements, credit risk ongoing monitoring and risk assessment programmes and the risk based credit quality thematic reviews - conducted based upon sector, business unit or risk theme. Support the Head of Audit CIRB & CQA and CQA Senior Managers in developing and implementing the CQA strategy in conjunction with global CQA leadership. Including ownership for assigned individual global credit portfolio coverage strategies. This includes the following role expectations: The CQA Manager will have strong subject matter expertise in credit risk assessment and analysis, capable of independently identifying and assessing the effectiveness of 1st and 2nd line analysis, judgements and decisions and raising constructive reporting. They will support the delivery of the full portfolio of CQA reviews/engagements, ensuring all elements of planning execution and reporting are achieved to required quality standards and deliver on time within approved budgets and KPI’s. They will support review and challenge for the assessment of the appropriateness and effectiveness of credit risk management of obligors in a variety of sectors/ regions and opine on the accuracy and timeliness of internal ratings, as well as, the identification and management of facility risks by the 1st and 2nd line of defence. They will support the implementation of the strategic improvement plan for EMEA CQA in conjunction with global CQA leadership. Support the development of constructive relationships with assigned stakeholders and undertake continuous monitoring of assigned credit portfolio(s) and report on the results ensuring a proactive, transparent and impactful approach to the monitoring of credit risk and escalation of issues. In addition, drive the improvement of the control environment in respective areas by effective influencing as an independent respected voice. Provide oversight and be a key point of contact for Credit Risk Assessments for assigned Auditable Entities (AE) focusing on the inherent risk and control environment factors which drive the residual risk for each AE. NUMBER OF DIRECT REPORTS None KEY RESPONSIBILITIES People: The CQA Manager will be required to influence and negotiate with counterparts across EIA and globally to execute audit assurance. As a CQA Manager, high leadership standards are expected across the wider global function and bank and the role holders will be required to act as role-models and support other EMEA-wide initiatives. CQA Managers will also be required to support non-‘BAU’ strategic initiatives. CQA Managers are expected to play a lead role in team meetings and be proactive in identifying issues in the department and managing them. Planning: Are expected to utilise their subject matter expertise, knowledge of the business, continuous monitoring intelligence and wider industry knowledge to complete the risk assessments applied to the universe. Will be responsible for the development of strategy and approach papers for entities and risks within their team’s portfolio. They are expected to improve risk coverage (within their specialist areas in particular, but not limited to this) on a global basis e.g. support thematic coverage globally. Product: CQA Managers must demonstrate accountability and ownership for all aspects of their portfolio. CQA Managers are responsible for the delivery of CQA engagements assigned to them. They must demonstrate at all times a commitment to setting a risk based scope and delivering the work on time, completing all deliverables within Department KPI’s (including CQA deliverables, issue validation, data quality etc). Have the ability to occasionally lead a portfolio of CQA engagements, which must demonstrate appropriate coverage of the key risks and meet all Quality Assurance standards. Provide high quality impactful audit opinions based on the scope of work within their portion which is value adding for stakeholders (Board/ Audit Committee/ Executive Management and their Businesses). Deliver continuous monitoring assignments for agreed entities, supporting their Head of Audit. Issue Management must be maintained to the required standards and delivered on time versus Department KPI’s. The role holders will contribute to the department meeting the required Quality standards and are expected to lead and champion audit methodology implementation. Position: The CQA Manager position will be a contributing representative for the Department on a global basis. Attend Bank forums when the Head of Audit is unable to attend or when delegated within their team’s portfolio. Lead relationships with key business staff and auditees within their team’s portfolio. Professional Practices: Take ownership of or support strategic developments within EIA and assist the global internal audit function on this agenda. WORK EXPERIENCE Essential: Significant and demonstrable experience of delivering a portfolio of work in Credit Assurance including leading and managing teams to achieve quality and timely results. Demonstrable experience of working closely with peers and relevant subject matter experts to achieve full audit coverage of a diverse portfolio ensuring appropriate resource and skills are assigned to relevant risks. SKILLS AND EXPERIENCE Functional / Technical Competencies: Essential Higher education or equivalent industry experience within Audit. The person should understand regulatory requirements and minimum standards as they apply to MUFG’s key activities with a particular focus on Corporate and Investment Banking. Strong acumen regarding auditing methods and industry practices. A strong understanding of finance and risk management within banking. An excellent communicator, the role-holder will be required to have appropriate gravitas, presence and business acumen to interact easily with senior management and influence effective and timely outcomes. Global perspective, demonstrating inclusiveness through an appreciation of different perspectives and diversity. A passion for leading people and being driven to be part of a high performing team is a must. PERSONAL REQUIREMENTS Excellent written and verbal communication skills Results driven, with a strong sense of accountability A proactive, motivated approach. Ability to project manage The ability to operate with urgency and prioritise work accordingly Strong decision making skills, the ability to demonstrate sound judgement A structured and logical approach to work Strong problem solving skills A creative and innovative approach to work Excellent interpersonal skills The ability to manage large workloads and tight deadlines Excellent attention to detail and accuracy A calm approach, with the ability to perform well in a pressurised environment Strong numerical skills Excellent Microsoft Office skills A confident approach, with the ability to provide clear direction to your team Excellent managerial experience The ability to manage a high performing team A strategic approach, with the ability to motivate your team We are open to considering flexible working requests in line with organisational requirements. 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.