Credit Risk Manager

About the role

The client, a leading financial institution, is looking for an experienced Credit Risk Manager to lead the credit underwriting, approval and monitoring functions of its loan portfolio. The role involves overseeing credit assessments, managing risk exposure, and providing strategic recommendations to senior committees.

Key responsibilities

• Assess and evaluate loan applications from individuals, corporates, SMEs and policyholders, reviewing financial statements, bank statements, credit bureau reports and supporting documentation.
• Conduct affordability, repayment capacity, risk grading and overall credit assessments, preparing detailed reports and recommendations.
• Approve credit facilities within delegated authority and forward larger proposals to the appropriate approval committees.
• Develop and maintain robust credit risk assessment methodologies, monitoring exposure, concentration risks, lending limits and the group’s risk appetite.
• Monitor loan portfolio quality, including delinquency, arrears, non‑performing loans and default trends, and recommend corrective actions.
• Prepare regular portfolio quality and credit risk reports for senior management, the board and relevant committees.
• Update credit policies, procedures, underwriting standards and lending guidelines in line with regulatory requirements.
• Ensure compliance with laws, regulations, internal policies, AML and KYC requirements and support audit activities.

Required profile

• Bachelor’s degree in Finance, Banking, Accounting, Economics, Business Administration or related field.
• 8‑10 years of experience in credit risk management, lending or banking operations, with 3‑5 years in a managerial or supervisory role.
• Strong knowledge of consumer, mortgage, vehicle, SME or policy loan products.
• Deep understanding of risk management principles and credit portfolio management.
• Excellent communication, negotiation and relationship‑building abilities.

Required skills