Credit Risk Manager
Job Location:
Monthly Salary:
Posted on:
Vacancies:
Job Summary
The Credit Risk / Underwriting Manager will lead the credit underwriting function for SME loans ensuring high-quality credit decisions in line with our credit policies and risk appetite.
The role involves overseeing the underwriting team reviewing complex credit applications managing portfolio quality and collaborating with Risk Verification Collections to minimize credit losses while supporting sustainable business growth.
Key Responsibilities
- Lead and supervise the Credit Underwriting team ensuring timely and accurate credit decisions.
- Review and approve SME loan applications in line with the our credit policy and risk framework.
- Assess complex credit proposals financial statements cash flow and business performance.
- Monitor portfolio quality identify emerging credit risks and recommend mitigation strategies.
- Work closely with Field Verification Collections Sales and Risk teams to improve loan quality and reduce default rates.
- Develop and implement underwriting standards policies and process improvements.
Requirements
- Bachelors degree in Finance Accounting Economics Business Administration or a related field.
- 5-8 years experience in credit underwriting credit risk management or SME lending.
- Previous experience in banking fintech digital lending or microfinance is mandatory.
- Sound understanding of SME credit analysis financial statement analysis and lending policies.
- Excellent leadership stakeholder management and report-writing skills.
- Professional certifications such as ACIB ACA ACCA CFA FRM CRCMP or related risk/credit certifications will be an added advantage.
Required Experience:
Senior Manager
About Company
An intuitive digital wallet with account opening, money transfer and bill payments in one. Earn as you spend.
