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ROLE REQUIREMENTS

1. Credit Portfolio Management
- Monitor and assess the performance of the credit portfolio, identifying trends, risks, and opportunities to optimize portfolio performance.
- Ensure that the credit portfolio aligns with the institution's risk appetite and regulatory requirements.

2. Credit Governance Framework
- Implement and maintain a robust credit governance framework, ensuring compliance with internal policies and external regulations.
- Participate in the development and continuous improvement of credit policies, procedures, and guidelines.

3. Credit Risk Reporting
- Prepare detailed credit risk reports for senior management, risk committees, and regulatory bodies, including portfolio reviews, stress tests, and risk assessments.
- Provide insights into the overall health of the credit portfolio, highlighting areas of concern and making recommendations for improvement.

4. 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.

5. 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 documentation and ensuring adherence to credit governance standards.

6. 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.

7. 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.

8. Maintain and update Credit Models 

- (IFRS9) including the development of scorecards

9. Training and Awareness
- Provide training to credit teams and other stakeholders on credit governance, portfolio management, and regulatory compliance.
- Raise awareness of credit governance practices and risk management standards across the organization.

QUALIFICATIONS & EXPERIENCE

• Bachelor’s degree in computer information studies, Finance & Statistics, Actuarial Science, Data Science or Business Information Systems
• Certifications in credit risk management, financial analysis, or risk management will be an added advantage.
• 5 years of experience in credit modeling, portfolio monitoring
• Proven track record in managing credit portfolios and leading credit data analytics teams.
• Extensive experience with credit risk modeling, financial & data analysis, and regulatory compliance in the financial services industry.

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