EXPERIENCE REQUIREMENTS

• Minimum 9 years’ related areas within the financial services industry, 6 years in Credit Risk experience

ACADEMIC QUALIFICATIONS AND CERTIFICATIONS

• Bachelor’s degree in finance, Economics, Accounting, Mathematics, Statistics, or a related field.

• Master’s degree in finance, Risk Management, Economics, or Business Administration is an added advantage.

• Professional certifications such as FRM, PRM, CPA, ACCA, or CFA are strongly preferred.

Credit Risk Management

• Lead the development, review, and ongoing enhancement of credit risk reporting frameworks, dashboards, and management information (MI).

• Monitor the Bank’s credit risk profile across portfolios, products, sectors, and counterparties, highlighting emerging risks and trends.

• Support the formulation and review of credit risk frameworks, policies, methodologies, and risk appetite metrics.

• Provide expert analysis and insights on asset quality, portfolio performance, concentrations, stress testing outcomes, and early warning indicators.

• Ensure timely, accurate, and compliant credit risk reporting to senior management, Board Risk Committees, and regulators.

• Partner with Credit, Finance, Treasury, Business Units, and Compliance to support informed credit decision-making.

• Oversee credit risk data quality, assumptions, and integrity across systems and reports.

• Support regulatory submissions, internal and external audits, and supervisory reviews relating to credit risk.

• Mentor and develop team members, fostering a strong risk culture and technical capability within the Credit Risk function.

Climate Risk

• Support the development and maintenance of the Group Climate Risk Framework aligned to international best practice and regulatory guidelines.

• Define governance, roles, metrics, data requirements, and processes for physical and transition risk assessment.

• Lead climate risk scenario analysis, sector heatmapping, asset level vulnerability assessments, and exposure mapping.

• Oversee financed emissions estimation climate concentration analysis and carbon intensive sector reviews.

• Integrate climate risk drivers into credit rating models, underwriting, stress tests, and ECL overlays.

Country Risk Management

• Develop and maintain the Country Risk Management Framework covering:

o Transfer & Convertibility (T&C) risk

o Sovereign risk

o Contagion risk

o Cross border settlement risk

• Ensure alignment with Basel Committee guidelines, rating agencies, and internal methodologies.

• Monitor country limit utilization across subsidiaries and cross border exposures.

• Identify emerging risks arising from geopolitical shifts, capital controls, rating downgrades, or sovereign restructurings.

• Integrate country risk into ICAAP, stress testing, and capital planning decisions.