Banking + 2 more
Description
Required Skills and Qualifications
· Bachelor’s degree in Finance, Economics, Business Administration, Statistics, or a related field.
· Master’s degree or professional certifications (e.g., CFA, FRM, CRM, CPA, or Diploma in Credit) are highly preferred.
· Minimum of 8–10 years in credit risk management, with at least 3–5 years in a senior leadership role.
· Proven track record in credit portfolio monitoring and reporting.
· Ability to design and implement credit monitoring frameworks, early warning systems, and risk mitigation strategies.
· Proficiency in credit risk assessment, portfolio analysis, and financial modeling.
· Strong command of data analytics tools: SQL, R, Python, Excel, Power BI.is an added advantage. Familiarity with IFRS 9 provisioning, stress testing, and scenario analysis.
Responsibilities
· 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.
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