· Lead proactive credit monitoring across SME, Corporate, and non-digital Retail portfolios.

· Identify early warning signals and initiate timely interventions to mitigate credit risk.

· Manage early-stage arrears and implement strategies to reduce delinquency and improve recovery.

· Evaluate and enhance credit monitoring tools and processes for effectiveness and compliance.

· Ensure alignment with CBK Prudential Guidelines, AML/CFT obligations, and regulatory updates.

· Oversee watchlist reporting and ensure timely escalation and review of high-risk accounts.

· Coordinate with GSAM and legal teams for recovery actions, restructuring, and resolution of distressed accounts.

· Track recovery performance and contribute to continuous improvement of recovery frameworks.

· Provide strategic oversight of credit monitoring practices across all group subsidiaries.

· Ensure consistency in credit risk policies and reporting standards across jurisdictions.

· Establish transparent reporting and escalation protocols between subsidiaries and group committees.