Credit Head

Key Responsibilities

1. Credit Policy & Risk Management

• Develop, implement, and maintain credit policies, procedures, and risk assessment frameworks aligned with regulatory requirements and business strategy.
• Monitor credit risk exposures across portfolios and enforce risk limits.
• Identify emerging credit risks and recommend mitigation strategies to senior management.

2. Credit Approval & Portfolio Oversight

• Oversee the evaluation, approval, and monitoring of credit applications, ensuring compliance with internal policies and regulatory guidelines.
• Ensure portfolio quality through regular reviews, risk grading, and performance monitoring.
• Collaborate with business units to balance growth objectives with prudent risk management.

3. Strategic Planning & Reporting

• Provide insights and recommendations to senior management and the Board on credit strategy, risk appetite, and portfolio performance.
• Prepare reports on credit risk metrics, delinquencies, provisioning, and regulatory compliance.
• Support business planning, product development, and market expansion from a credit perspective.

4. Team Leadership & Development

• Lead, mentor, and develop the credit team, promoting a high-performance culture.
• Define roles, responsibilities, and performance metrics for the credit function.
• Foster continuous learning, professional certification, and knowledge sharing within the team.

5. Stakeholder & Regulatory Engagement

• Maintain relationships with regulators, auditors, and external stakeholders on credit-related matters.
• Ensure compliance with local and international regulatory frameworks and industry best practices.
• Collaborate with other risk and finance functions to optimize decision-making and governance.

Qualifications & Skills

• Bachelors degree in Finance, Economics, Accounting, or related field; MBA or professional certification (e.g., CFA, FRM) preferred.
• Minimum 8–10 years of experience in credit, risk management, or banking, with at least 3–5 years in a leadership role.
• Strong knowledge of credit analysis, risk assessment, underwriting, and portfolio management.
• Excellent analytical, strategic thinking, and decision-making skills.
• Strong leadership, communication, and stakeholder management capabilities.