Senior Risk Management

Key Responsibilities:

• Credit Policy: Develop and update credit policies and workflows covering the entire loan lifecycle, ensuring alignment with business objectives, regulatory requirements, and risk appetite.
• Credit Underwriting: Independently assess SME credit applications, financial statements, cash flow, repayment capacity, and collateral to make informed lending decisions.
• Portfolio & NPL Management: Monitor portfolio performance, identify early-warning signals, manage NPL targets, and implement preventive measures such as restructuring and recovery strategies.
• Risk Reporting: Prepare portfolio risk reports, communicate potential issues to the Country Head, and recommend corrective actions to minimize losses.
• Cross-Functional Coordination: Collaborate with Business Development, Customer Success, and IT teams to improve credit processes and coordinate risk-related projects.
• Team Leadership: Recruit, coach, and mentor Credit Officers and Analysts while promoting a strong credit-risk culture.

Required Skills & Competencies:

• Financial Analysis: Strong understanding of SME financial assessment, cash-flow analysis, collateral evaluation, and credit decision-making.
• Data Analysis & Reporting: Experience monitoring NPLs, identifying risk indicators, analysing potential credit losses, and developing recovery strategies.
• Communication: Strong communication and stakeholder management skills.
• Leadership: Ability to manage, coach, and develop credit teams.
• Project Management: Ability to coordinate credit-policy updates, portfolio reviews, and system enhancements.
• Integrity: Commitment to transparent reporting, accountability, and effective risk management.