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Description:

Job Purpose

The Head of Credit will oversee the Bank’s lending process, assess creditworthiness, and minimize risk exposure. Be responsible for leading the quality and profitability of the loan portfolio; establishing and developing Credit, collection, and fraud policies and objectives to manage risk within the company's acceptable risk ranges for commercial, consumer and credit card lending; developing risk management and scorecard analytics; ensuring compliance with state and central bank regulatory guidelines; acting as the principal spokesperson for the lending function; and managing the loan approval process.

Summary of Key Responsibilities:

• Develop revised workplace technology approach for productivity improvement and innovation
• Develop and enforce company credit policies and guidelines.
• Direct analysis performed and credit policies that target profitable buyer segments
• Monitor accounts to ensure timely payments and manage overdue collections.
• Evaluate client credit history and financial statements to determine creditworthiness.
• Collaborate with sales and finance teams to set credit limits and payment terms.
• Drive continuous improvement of internal credit guidelines and policies taking into consideration changing market and/or industry outlook
• Drive corporate governance measures
• Ensure compliance with legal and regulatory credit standards.
• Drive credit stress testing outcomes to chart business decisions and credit risk appetites
• Drive identification of credit opportunities where businesses can handle more risks
• Endorse credit applications that deviate from approved limits or are at top threshold levels
• Endorse dashboard indicators that facilitate monitoring of credit exposure levels
• Establish policies and procedures for credit applications that deviate from predetermined standards
• Lead department's financial budgeting process to acquire funds for the operational activities
• Lead negotiations with relevant stakeholders regarding repossession actions from buyers with delinquent accounts
• Lead periodic credit reviews and actions taken to ensure exposure to non-performing accounts are managed
• Lead technology application to improve productivity and innovation
• Oversee department's financial budget utilisation against department work plan
• Analyze market trends and economic factors affecting credit risk.

Required Skills and Attributes

• Excellent Communications Skills
• Excellent Interpersonal Skills
• Business awareness, leadership and management skills.
• Organizational skills and the ability to understand detailed information.
• Computer and numeracy skills, with strong skills required for /Excel and Credit Workflow systems.
• Credit underwriting and decision making.
• Strong Negotiating Skills 
• High integrity 

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Primary Areas of Accountability: