Job Overview
Business Segment: Business & Commercial Banking
Location: IM, undefined, Douglas, Circular Road 1
Job Type: Full-time
Job Ref ID: A-0001
Date Posted: 10/1/2025
Job Description
Lead the Credit Risk function for a designated Business Unit (BU) in a Tier II country, ensuring effective credit risk management across the entire credit lifecycle. Implement the BU's credit strategy in alignment with country-level credit objectives, risk appetite, and regulatory requirements, while supporting sustainable business growth and maintaining a high-quality credit portfolio.
Qualifications
Type of Qualification: Business Commerce, Finance and Accounting, Generic Management, Risk Management
Experience Required:
8-10 years' experience in Risk management with extensive knowledge of the entire credit lifecycle.
Regulatory environment savvy, a proven track record in large scale and high-level leadership and capable of influencing seasoned stakeholders.
Experience in managing credit origination (both intuitive and automated) and credit operations and managing effective stakeholder relationships to drive the achievement of business strategy.
This role requires a seasoned leader and expert in Risk management with extensive knowledge of the entire credit lifecycle.
Essential Outputs:
Monitor and analyse the external environment (including economic, regulatory, and industry factors) in the Tier 2 Africa Regions country to identify emerging credit risks and support the Business Unit's strategies.
Implement a comprehensive Credit Risk Management framework for the Business Unit, aligned with the organisation's overall risk appetite and strategic objectives.
Conduct regular portfolio reviews to identify trends, concentrations, and potential vulnerabilities, implementing corrective actions as directed.
Monitor key performance indicators (KPIs) to track portfolio performance, identify emerging risks, and assess the effectiveness of credit risk controls across the entire credit risk lifecycle.
Maintain and implement BU-specific credit policies and procedures, ensuring alignment with country-level standards and regulatory requirements, allowing local adaption for compliance, regulatory, legal and market needs.
Additional Information
Behavioural Competencies:
Challenging Ideas
Convincing People
Developing Expertise
Developing Strategies
Directing People
Technical Competencies:
Economic Capital Management
Evaluating Risk Management Effectiveness
Financial Acumen
Promote Good Governance, Risk & Control
Quality Management
SBO
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