Head Of Credit Policy

Description:

Our client is looking for an experienced 𝐇𝐞𝐚𝐝 𝐨𝐟 𝐂𝐫𝐞𝐝𝐢𝐭 𝐏𝐨𝐥𝐢𝐜𝐲 to lead the development, review, and implementation of credit policies and risk frameworks across its lending portfolio.

𝐊𝐞𝐲 𝐑𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐛𝐢𝐥𝐢𝐭𝐢𝐞𝐬:

- Develop, review, and enhance 𝐜𝐫𝐞𝐝𝐢𝐭 𝐩𝐨𝐥𝐢𝐜𝐢𝐞𝐬, 𝐥𝐞𝐧𝐝𝐢𝐧𝐠 𝐠𝐮𝐢𝐝𝐞𝐥𝐢𝐧𝐞𝐬, 𝐚𝐧𝐝 𝐫𝐢𝐬𝐤 𝐟𝐫𝐚𝐦𝐞𝐰𝐨𝐫𝐤𝐬.

- Establish credit assessment, underwriting, approval, and monitoring standards.

- Ensure policies align with 𝐫𝐢𝐬𝐤 𝐚𝐩𝐩𝐞𝐭𝐢𝐭𝐞, 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐨𝐛𝐣𝐞𝐜𝐭𝐢𝐯𝐞𝐬, 𝐚𝐧𝐝 𝐒𝐁𝐏 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬.

- Monitor portfolio quality, delinquency, 𝐏𝐀𝐑, 𝐫𝐞𝐜𝐨𝐯𝐞𝐫𝐢𝐞𝐬, 𝐚𝐧𝐝 𝐞𝐦𝐞𝐫𝐠𝐢𝐧𝐠 𝐜𝐫𝐞𝐝𝐢𝐭 𝐫𝐢𝐬𝐤𝐬.

- Review credit policy exceptions and recommend appropriate risk mitigation measures.

- Work closely with 𝐂𝐫𝐞𝐝𝐢𝐭 𝐑𝐢𝐬𝐤, 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬, 𝐎𝐩𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐬, 𝐂𝐨𝐥𝐥𝐞𝐜𝐭𝐢𝐨𝐧𝐬, 𝐂𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞, 𝐚𝐧𝐝 𝐈𝐧𝐭𝐞𝐫𝐧𝐚𝐥 𝐀𝐮𝐝𝐢𝐭 𝐭𝐞𝐚𝐦𝐬.

- Recommend policy changes based on portfolio performance, market trends, and regulatory developments.

- Provide credit policy guidance to senior management and relevant risk committees.

- Lead and mentor the Credit Policy team.

𝐑𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭𝐬:

- Bachelor’s/Master’s degree in 𝐅𝐢𝐧𝐚𝐧𝐜𝐞, 𝐄𝐜𝐨𝐧𝐨𝐦𝐢𝐜𝐬, 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬, 𝐨𝐫 𝐚 𝐫𝐞𝐥𝐚𝐭𝐞𝐝 𝐟𝐢𝐞𝐥𝐝.

- 12–18 𝐲𝐞𝐚𝐫𝐬 𝐨𝐟 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 in Credit Policy, Credit Risk, Credit Management, or Credit Underwriting.

- Strong experience within Banking / Microfinance / Financial Services.

- Sound understanding of 𝐜𝐫𝐞𝐝𝐢𝐭 𝐫𝐢𝐬𝐤, 𝐥𝐞𝐧𝐝𝐢𝐧𝐠 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐞𝐬, 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 𝐦𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭, 𝐚𝐧𝐝 𝐒𝐁𝐏 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬.

- Strong analytical, leadership, decision-making, and stakeholder management skills.

- Experience managing a Credit Policy/Risk function will be preferred.