Credit Risk Manager
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Job Summary
- Lead and enhance the companys overall credit risk management function.
- Review develop and improve credit policies underwriting guidelines approval criteria and risk grading models.
- Monitor portfolio performance delinquency trends approval quality non-performing loan (NPL) indicators and collection effectiveness.
- Collaborate closely with senior management to balance business growth profitability and risk management objectives.
- Provide strategic recommendations to improve credit approval quality customer segmentation risk-based pricing and portfolio sustainability.
- Lead mentor and develop teams responsible for credit assessment risk analysis data analytics and portfolio monitoring.
- Identify gaps and weaknesses in existing credit processes and recommend practical and effective improvements.
- Support management in developing comprehensive risk reports dashboards and key risk indicators to facilitate informed decision-making.
- Ensure credit practices comply with internal policies regulatory requirements and industry best practices.
- Minimum 810 years of experience in credit risk management credit approval consumer financing hire purchase financing banking non-bank financial institutions or related industries.
- Strong knowledge of consumer financing credit assessment portfolio risk management delinquency management and collection strategies.
- Proven experience in leading teams and managing cross-functional stakeholders.
- Strong analytical skills with the ability to interpret credit data portfolio trends and business performance metrics to support management decisions.
- Sound business acumen with the ability to balance risk control and business growth objectives.
- Good understanding of credit policies approval processes risk-based decision-making and financing operations.
- Experience in motorcycle hire purchase vehicle financing personal financing or other consumer credit products will be an added advantage.
- Excellent communication and presentation skills with the ability to communicate key findings effectively and recommendations to senior management.
Required Skills:
Minimum 810 years of experience in credit risk management credit approval consumer financing hire purchase financing banking non-bank financial institutions or related industries. Strong knowledge of consumer financing credit assessment portfolio risk management delinquency management and collection strategies. Proven experience in leading teams and managing cross-functional stakeholders. Strong analytical skills with the ability to interpret credit data portfolio trends and business performance metrics to support management decisions. Sound business acumen with the ability to balance risk control and business growth objectives. Good understanding of credit policies approval processes risk-based decision-making and financing operations. Experience in motorcycle hire purchase vehicle financing personal financing or other consumer credit products will be an added advantage. Excellent communication and presentation skills with the ability to communicate key findings effectively and recommendations to senior management.
