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.