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ROLE ACTIVITIES

1. Credit Portfolio Management

• Develop and implement strategies to optimize the credit portfolio's performance, balancing risk and return.
• Conduct regular portfolio reviews to identify trends, opportunities, and potential risks.
• Ensure alignment of the credit portfolio with the institution's risk appetite and strategic objectives.

2. Credit Governance Framework

• Design and maintain a robust credit governance framework that adheres to best practices and regulatory requirements.
• Participate in the development and continuous improvement of credit policies, procedures, and guidelines.

3. Credit Risk Reporting

• Prepare and present insightful credit risk reports for senior management, risk committees, and regulatory bodies.
• Develop and maintain a suite of key risk indicators (KRIs) for effective credit risk monitoring.
• Provide actionable recommendations based on portfolio analysis and risk assessments.
   

4. Credit Risk Modelling and Analysis

• Oversee the maintenance, and validation of credit risk models, including IFRS 9 models and credit scorecards.
• Conduct stress testing and scenario analysis to assess portfolio resilience under various economic conditions.

5. Credit Committee Support:

• Serve as a key member of or advisor to the credit committees providing data-driven insights, risk assessments, and recommendations on credit decisions.
• Ensure all credit-related decisions are made following proper governance protocols and risk policies.
• Facilitate effective decision-making processes through clear communication of complex credit risk concepts.

6. Regulatory Compliance and Audits

• Monitor compliance with relevant regulatory requirements, including those related to IFRS 9, and other credit-related regulations.
• Support internal and external audits by providing necessary data requirements as well as documentation and ensuring adherence to credit governance standards.

7. Credit Risk Policy Development:

• Contribute to the development and review of credit policies, ensuring they reflect current market conditions and regulatory changes.
• Recommend changes to credit risk policies and frameworks based on portfolio performance and risk assessment outcomes.

8. Data Analysis and Scenario Testing:

• Conduct stress testing and scenario analysis on the credit portfolio to assess its resilience under adverse conditions.
• Use data analytics to forecast potential risks and losses and recommend mitigation strategies.
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9. Maintain and update various Credit Models 

• Ensure models performance is tracked, and trends recorded over time
• Participate in the period calibration of models having observed market and business trends
• Participate in the development of scorecards

10. Stakeholder Management and Training

• Build and maintain strong relationships with internal stakeholders across business units and external regulators.
• Design and deliver training programs on credit risk management and governance for staff at all levels.
• Act as a subject matter expert, providing guidance, training on complex credit risk issues to various departments.

QUALIFICATIONS & EXPERIENCE

• Bachelor’s degree in finance, Economics, Actuarial Science, or a related field
• Professional certifications such as FRM, Chartered Financial Analyst (CFA), Certified Credit Professional (CCP) certifications in credit risk management will be an added advantage.
• Minimum of 6 years of progressive experience in credit risk management, with at least 3 years in a leadership role.
• Proven track record in developing and implementing credit risk models and governance frameworks.
• Deep understanding of regulatory requirements including Basel III/IV and IFRS 9.
• Strong background in statistical analysis, machine learning, and financial modelling.

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