Senior Manager - Credit Risk Management

About the role

This position sits within the Credit Risk Management team and involves overseeing the team's work on credit risk. The role covers pre-disbursement risk reviews, policy alignment with regulators and the bank's risk framework, portfolio monitoring and non-performing loan oversight.

Key responsibilities

• Conduct pre-disbursement independent risk reviews of large and complex credit facilities and give risk opinions on credit proposals.
• Ensure credit policies stay aligned with regulatory requirements, the bank's risk management framework and its risk appetite.
• Monitor portfolio quality, emerging credit risks, industry trends, concentration risks and asset quality indicators.
• Oversee the identification, classification and monitoring of non-performing loans in line with regulatory and internal requirements.
• Analyse portfolio trends and emerging risks and share timely insights and recommendations with key stakeholders.
• Lead portfolio risk analytics, stress assessments and risk reporting.
• Strengthen Early Warning Signal (EWS) frameworks and monitoring mechanisms.
• Partner with business units to embed sound risk management practices and improve portfolio resilience.

Required profile

• 9 years of experience, including 5 years at managerial level in banking or the financial sector with exposure to credit risk management.
• Degree or professional qualification in a relevant discipline is advantageous.
• In-depth understanding of credit procedures, systems and regulatory requirements.

Required skills

• Sound knowledge of credit risk management principles, methodologies and banking regulations.
• Ability to analyse, interpret and present risk reports, portfolio trends and management insights.
• Experience in credit evaluation, portfolio monitoring and risk governance.
• Strong stakeholder management and communication skills.
• Exposure to data-driven risk management, analytics and digital transformation is an added advantage.