To lead the Credit Risk function for the Business and Commercial Banking business unit (BU) in country, ensuring effective credit risk management across the entire credit lifecycle. To 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.

Key Outputs

• Lead a team of credit risk professionals to deliver proactive risk identification, robust portfolio management, and regulatory compliance, while fostering a strong risk culture and developing talent through coaching and mentorship of all stakeholders.
• Monitor and analyse the external environment (including economic, regulatory, and industry factors) 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.
• Drive the annual credit risk planning process for the Business Unit within a specific country by contributing to the establishment of clear goals, objectives, and performance metrics.
• Sponsor and present credit applications to Credit Committee, consisting of Exco members for approval.
• Identify and drive change within Credit and the Business by initiating and owning change projects.

Behavioural Competencies:

• Developing Expertise
• Challenging Ideas
• Convincing People
• Developing Strategies
• Directing People
• Building Relationships

Technical Competencies:

• Economic Capital Management
• Evaluating Risk Management Effectiveness
• Risk Acceptance, Awareness, Identification and Management
• Debt Capacity modelling proficiency
• PD/LGD/EAD understanding and application
• Collateral valuation, legal perfection and Security package design
• Intercreditor & priority structures
• Covenant architecture
• Counterparty credibility assessment, including Pre-sale, Lease & tenant analysis

• This role requires a seasoned leader and expert in Risk management with extensive knowledge of the entire credit lifecycle, together with comprehensive experience within Real Estate Finance and the property sector, including but not limited to, structuring, assessing and managing credit exposures related to property transactions and development projects.
• Proven ability to manage stressed and distressed clients, with a track record of implementing effective risk mitigation strategies, negotiating restructuring solutions, and safeguarding the bank’s interests, while maintaining client relationships.
• Minimum 5 years People Leadership experience at a Senior organisational level, with a focus on talent management, resourcing, development and retention.
• Regulatory environment savvy, a proven track record in large scale and high-level leadership and proactively develop and manage relationships with key internal and external stakeholders and external legal counsel, relevant to the business strategy. Ability to build and develop relationships across the bank with various stakeholders, with the intention of breaking down silos to maximise business growth.
• 8-10 years’ Experience in managing credit origination (both intuitive and automated) and credit operations, with an ability to handle all aspects of client engagement, including coordinating and execution of transactions.

• First Degree in Business Commerce, Finance and Accounting, Generic Management or Risk Management
• Postgraduate in Degree in Business Commerce, Finance and Accounting, Generic Management or Risk Management (Advantageous)