Role Overview

Overseeing the organization's credit risk strategy, policies, and procedures, while ensuring compliance with regulatory and internal requirements. The role ensures prudent credit risk management, promotes sound lending practices, and enforces adherence to all relevant laws, regulations, and internal policies to safeguard the company's financial and reputational integrity.

Key Responsibilities

1. Credit Risk Management

Develop and implement a comprehensive credit risk management framework aligned with the organization's strategic objectives.

Oversee the assessment, approval, and monitoring of credit exposures to ensure sound portfolio quality.

Define and maintain credit risk appetite, policies, and lending standards.

Monitor credit portfolio performance and identify emerging risks or trends.

Oversee credit reviews, stress testing, and portfolio analysis to ensure asset quality.

Recommend corrective actions on non-performing accounts and oversee credit recovery strategies.

2. Compliance Management

Establish and manage an effective compliance program to ensure adherence to laws, regulations, and internal controls.

Monitor and interpret regulatory developments related to credit, lending, and financial services.

Develop and implement compliance policies, procedures, and training programs across the organization.

Conduct compliance risk assessments and internal reviews to ensure continuous improvement.

Serve as the primary liaison with regulators and external auditors on compliance and credit-related matters.

3. Governance and Reporting

Prepare and present regular reports on credit risk exposure, compliance status, and key findings to the Board and Executive Management.

Support the Board Risk and Audit Committees with insights on risk trends and compliance performance.

Ensure proper documentation, record-keeping, and audit trail for credit and compliance functions.

4. Leadership and Culture

Lead and mentor the credit risk and compliance teams to enhance capacity and performance.

Foster a strong risk and compliance culture across all business units.

Promote ethical conduct, accountability, and continuous improvement in credit and compliance practices.

Qualifications and Experience

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field.

Master's degree or professional certification (e.g., CPA, CFA, CRMA, CISA, or Certified Compliance Professional) is an advantage.

Minimum of 8–10 years' experience in credit risk management and compliance, with at least 3 years in a senior leadership role.

In-depth understanding of credit risk principles, regulatory compliance, and corporate governance.

Strong experience with regulatory bodies, financial reporting, and internal controls.

Skills and Competencies

Excellent analytical, credit appraisal, and problem-solving skills.

Strong understanding of credit risk models, policies, and regulatory frameworks.

High level of integrity, sound judgment, and attention to detail.

Exceptional communication and stakeholder engagement skills.

Leadership, strategic thinking, and decision-making abilities.

• Develop and implement a comprehensive credit risk management framework aligned with the organization's strategic objectives
• Oversee the assessment, approval, and monitoring of credit exposures to ensure sound portfolio quality
• Define and maintain credit risk appetite, policies, and lending standards
• Monitor credit portfolio performance and identify emerging risks or trends
• Oversee credit reviews, stress testing, and portfolio analysis to ensure asset quality
• Recommend corrective actions on non-performing accounts and oversee credit recovery strategies
• Establish and manage an effective compliance program to ensure adherence to laws, regulations, and internal controls
• Monitor and interpret regulatory developments related to credit, lending, and financial services
• Develop and implement compliance policies, procedures, and training programs across the organization
• Conduct compliance risk assessments and internal reviews to ensure continuous improvement
• Serve as the primary liaison with regulators and external auditors on compliance and credit-related matters
• Prepare and present regular reports on credit risk exposure, compliance status, and key findings to the Board and Executive Management
• Support the Board Risk and Audit Committees with insights on risk trends and compliance performance
• Ensure proper documentation, record-keeping, and audit trail for credit and compliance functions
• Lead and mentor the credit risk and compliance teams to enhance capacity and performance
• Foster a strong risk and compliance culture across all business units
• Promote ethical conduct, accountability, and continuous improvement in credit and compliance practices

• Excellent analytical, credit appraisal, and problem-solving skills
• Strong understanding of credit risk models, policies, and regulatory frameworks
• High level of integrity, sound judgment, and attention to detail
• Exceptional communication and stakeholder engagement skills
• Leadership, strategic thinking, and decision-making abilities

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field
• Master's degree or professional certification (e.g., CPA, CFA, CRMA, CISA, or Certified Compliance Professional) is an advantage
• Minimum of 8–10 years' experience in credit risk management and compliance, with at least 3 years in a senior leadership role
• In-depth understanding of credit risk principles, regulatory compliance, and corporate governance
• Strong experience with regulatory bodies, financial reporting, and internal controls