Key Responsibilities

• Managing credit risk inherent in the institution’s credit portfolio.
• Validating credit data for loan loss provisioning, suspension of interest, and regulatory reporting requirements.
• Conducting independent reviews of the credit control environment to ensure compliance with policies and procedures.
• Monitoring and analysing key credit risk indicators against internal and regulatory limits.
• Coordinating reviews and updates of credit risk policies.
• Developing and validating quantitative credit risk models.
• Performing credit risk stress testing in line with model governance frameworks.
• Preparing and presenting independent credit risk reports to Executive Committee, Board Loans Review Committee, and other governance forums.
• Providing advisory support on emerging risks and mitigation strategies.
• Supervising and developing the credit risk management team.
• Undertaking any other duties as assigned by management.

Key Result Areas

• Effective monitoring of the credit risk control environment and audit findings.
• Implementation and adherence to credit risk policies and processes.
• Timely and accurate reporting to senior management and regulators.
• Development and validation of risk models.
• Proactive identification and mitigation of risks.
• Delivery of robust credit risk stress testing processes.

Competencies

• Strategic thinking and innovation.
• Strong leadership and ability to influence.
• Excellent written and verbal communication skills.
• High level of accuracy, attention to detail, and organisation.
• Ability to work independently under pressure and meet tight deadlines.
• Action-oriented with strong execution capability.
• Excellent stakeholder management and collaboration skills.
• Training, facilitation, and presentation expertise.
• Strong technical and analytical capability.