The Head, credit and Risk Management will:
Plan, design and implement an overall risk
management process for the organization.
Ensure that sound credit risk measurement and
monitoring frameworks are developed and implemented throughout the group in a
Manage the Company’s Enterprise Risk
Management Framework as well as Credit Policy Guidelines
Conduct audits of policy and compliance to
standards, including liaison with internal and external auditors.
Oversee the credit review process for customer
credit risk evaluation and credit underwriting/ recommendation.
Strategize, build and maintain process improvement
across all roles in the Credit department
Improve and optimized credit approval,
recovery and collection processes as well as operational efficiencies.
Enhance and review the company’s Credit
Policies and Standards to reflect the best practice and regulate the risk
assets of the group as directed by the Board
Spearhead the development, improvement and
refinement of credit policies, procedures and strategies to enhance the company's
risk management platform
Monitor all necessary operations, policies and
procedures that will help the company meet its risk Management goals whilst
managing and quantifying the organization’s ‘risk appetite’.
Manage the subordinate staff of the department
in the day to day performances of their jobs, while ensuring that departmental
projects and activity milestones/goals are met and that all operations adhere
to approved policies, budgets and regulations.
Coach, supervise and mentor analysts,
collections, recovery and underwriting officers for effective, efficient and
Develop, manage and optimize the Credit
Reporting and Monitoring framework that meets all necessary requirements of
both external and internal stakeholders and ensure timely and accurate delivery
of all reports.
Review strategic credit positions, Credit
Limits, levels of provisions and concentrations ensuring that they are within
Conduct stress and scenario testing on the
Risk Asset portfolio
Ensure timely and accurate reporting of
information from these, interpret all report information and suggest actions
for consideration to and by the relevant stakeholders.
Provide requirements and design inputs,
particularly with regard to credit risk recognition, measurement and its
reporting as part of the core team for implementation of key credit risk related
projects (e.g. Credit Management System, IFRS 9 impairment)
Manage repayment risk and controlled payment
delinquency significantly reducing it
Assist in preparation and presentation of the
information pack for Board Risk Committee
Contribute to system implementation projects
in the credit risk space by providing requirements and design inputs,
particularly with regard to credit risk recognition and measurement.
A degree in Business Administration, Finance, Economics,
Accounting or any related role
Professional qualifications e.g. CFA/FRM
At least 10 years of banking experience, with
bulk of it being in the Credit Risk Management domain