Principle Accountabilities

 Credit Assessment & Approval

• Review and approve credit applications within delegated limits
• Analyze borrower profiles using both traditional and alternative data
• Assess collateral value, product type, and loan structure suitability
• Ensure compliance with internal credit policies and regulatory guidelines

Portfolio Risk Management

• Monitor key credit performance indicators: approval rate, PAR, NPL, LGD
• Identify early warning signals of risk concentration or policy gaps
• Recommend and implement mitigation strategies

 Policy & Process Management

• Contribute to credit policy, underwriting guidelines, and scorecard reviews
• Ensure rigorous documentation, due diligence, and KYC compliance
• Collaborate with product and tech teams to embed credit rules into systems

 Stakeholder Collaboration

• Partner with business, collections, legal, and product teams for lifecycle management
• Train credit officers, relationship managers, and branch staff on credit standards 

 Analytics & Reporting

• Prepare credit reports for Director Credit and Lending Committee
• Use tools like Excel, Power BI, and credit analytics platforms for insights

Other Duties

• Ensure timely insurance renewals for financed assets
• Oversee remedial actions for struggling accounts
• Participate in Early Alert, Vehicle Auction, and other relevant committees

Key Competencies and Skills

Competencies

• Analytical thinking, risk awareness, accountability, process improvement, collaboration, customer-centric mindset

Minimum Qualifications, Knowledge and Experience

Education

• Bachelor’s in Finance, Accounting, Economics, or related field; CPA, ACCA, CFA, or Credit Management certification preferred

Experience

• 5–8 years in credit assessment/risk management, ideally in asset finance; familiarity with CBK guidelines and scoring models