Background

The purpose of the role is to detect, assess, and mitigate credit risk early enough to avoid defaults, ensure regulatory compliance, and protect the bank’s financial health.

Job Responsibilities/Accountabilities

• Lead proactive credit monitoring across SME, Corporate, and non-digital Retail portfolios.
• Identify early warning signals and initiate timely interventions to mitigate credit risk.
• Manage early-stage arrears and implement strategies to reduce delinquency and improve recovery.
• Evaluate and enhance credit monitoring tools and processes for effectiveness and compliance.
• Ensure alignment with CBK Prudential Guidelines, AML/CFT obligations, and regulatory updates.
• Oversee watchlist reporting and ensure timely escalation and review of high-risk accounts.
• Coordinate with GSAM and legal teams for recovery actions, restructuring, and resolution of distressed accounts.
• Track recovery performance and contribute to continuous improvement of recovery frameworks.
• Provide strategic oversight of credit monitoring practices across all group subsidiaries.
• Ensure consistency in credit risk policies and reporting standards across jurisdictions.
• Establish transparent reporting and escalation protocols between subsidiaries and group committees.

Qualifications

Required Skills and Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, Statistics, or a related field.
• Master’s degree or professional certifications (e.g., CFA, FRM, CRM, CPA, or Diploma in Credit) are highly preferred.
• Minimum of 8–10 years in credit risk management, with at least 3–5 years in a senior leadership role.
• Proven track record in credit portfolio monitoring and reporting.
• Ability to design and implement credit monitoring frameworks, early warning systems, and risk mitigation strategies.
• Proficiency in credit risk assessment, portfolio analysis, and financial modeling.
• Strong command of data analytics tools: SQL, R, Python, Excel, Power BI.is an added advantage.
• Familiarity with IFRS 9 provisioning, stress testing, and scenario analysis.

• Lead proactive credit monitoring across SME, Corporate, and non-digital Retail portfolios.
• Identify early warning signals and initiate timely interventions to mitigate credit risk.
• Manage early-stage arrears and implement strategies to reduce delinquency and improve recovery.
• Evaluate and enhance credit monitoring tools and processes for effectiveness and compliance.
• Ensure alignment with CBK Prudential Guidelines, AML/CFT obligations, and regulatory updates.
• Oversee watchlist reporting and ensure timely escalation and review of high-risk accounts.
• Coordinate with GSAM and legal teams for recovery actions, restructuring, and resolution of distressed accounts.
• Track recovery performance and contribute to continuous improvement of recovery frameworks.
• Provide strategic oversight of credit monitoring practices across all group subsidiaries.
• Ensure consistency in credit risk policies and reporting standards across jurisdictions.
• Establish transparent reporting and escalation protocols between subsidiaries and group committees.

• Proficiency in credit risk assessment, portfolio analysis, and financial modeling.
• Strong command of data analytics tools: SQL, R, Python, Excel, Power BI.
• Familiarity with IFRS 9 provisioning, stress testing, and scenario analysis.

• Bachelor’s degree in Finance, Economics, Business Administration, Statistics, or a related field.
• Master’s degree or professional certifications (e.g., CFA, FRM, CRM, CPA, or Diploma in Credit) are highly preferred.
• Minimum of 8–10 years in credit risk management, with at least 3–5 years in a senior leadership role.
• Proven track record in credit portfolio monitoring and reporting.
• Ability to design and implement credit monitoring frameworks, early warning systems, and risk mitigation strategies.