Overall Objectives:

To lead and manage the credit department, ensuring sound credit practices, regulatory compliance, and the development of a strong credit culture. The role is critical in maintaining portfolio quality, managing credit risk, and supporting business growth, particularly in the SME segment.

Key Responsibilities:

• Oversee the appraisal of credit requests, ensuring alignment with lending guidelines and thorough risk assessment.
• Review and approve credit proposals, maintaining a prudent balance between risk and return.
• Ensure all lending activities comply with internal policies and regulatory requirements.
• Lead and supervise a team of credit approvers and analysts, ensuring timely and high-quality credit decisions.
• Evaluate SME credit applications and provide constructive feedback in line with policy and approval matrices.
• Review assessments conducted by SME Credit Analysts and ensure consistency in evaluation standards.
• Coordinate credit operations to ensure deliverables are met within stipulated timelines.
• Develop, implement, and monitor credit programs; provide training and coaching to enhance team capabilities.
• Strengthen the Credit Reporting & Monitoring framework to meet internal and external stakeholder requirements.
• Collaborate with Legal and Compliance teams to ensure proper documentation and legal safeguards in credit processes.
• Ensure timely and accurate preparation and submission of credit reports.

Qualifications & Experience:

• Full Grade 12 Certificate with credits in English and Mathematics.
• Bachelor’s Degree in Finance, Banking, Business Administration, or a related field. Professional certifications (e.g., ZICA, ACCA) are an added advantage.
• Minimum of 5 years’ experience in credit risk management, with at least 2 years in a managerial role.
• Experience in a Non-Bank Financial Institution (NBFI) or Microfinance environment is highly desirable.
• Strong understanding of credit analysis, policies, and risk mitigation strategies.
• Proficiency in financial analysis tools and lending software.
• Advanced Excel skills and strong analytical capabilities.
• Excellent communication, leadership, and interpersonal skills.

• Oversee the appraisal of credit requests, ensuring alignment with lending guidelines and thorough risk assessment.
• Review and approve credit proposals, maintaining a prudent balance between risk and return.
• Ensure all lending activities comply with internal policies and regulatory requirements.
• Lead and supervise a team of credit approvers and analysts, ensuring timely and high-quality credit decisions.
• Evaluate SME credit applications and provide constructive feedback in line with policy and approval matrices.
• Review assessments conducted by SME Credit Analysts and ensure consistency in evaluation standards.
• Coordinate credit operations to ensure deliverables are met within stipulated timelines.
• Develop, implement, and monitor credit programs; provide training and coaching to enhance team capabilities.
• Strengthen the Credit Reporting & Monitoring framework to meet internal and external stakeholder requirements.
• Collaborate with Legal and Compliance teams to ensure proper documentation and legal safeguards in credit processes.
• Ensure timely and accurate preparation and submission of credit reports.

• Full Grade 12 Certificate with credits in English and Mathematics.
• Bachelor’s Degree in Finance, Banking, Business Administration, or a related field. Professional certifications (e.g., ZICA, ACCA) are an added advantage.
• Minimum of 5 years’ experience in credit risk management, with at least 2 years in a managerial role.
• Experience in a Non-Bank Financial Institution (NBFI) or Microfinance environment is highly desirable.
• Strong understanding of credit analysis, policies, and risk mitigation strategies.
• Proficiency in financial analysis tools and lending software.
• Advanced Excel skills and strong analytical capabilities.
• Excellent communication, leadership, and interpersonal skills.