Job Purpose

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.