Credit Risk Manager

About the role

Provide independent oversight of credit risk across the portfolio, ensuring alignment with the bank’s risk appetite, regulatory requirements and strategic objectives. The role develops and oversees credit risk frameworks, policies and processes to support sound lending decisions and minimise losses.

Key responsibilities

• Protect the bank’s financial performance by minimising credit losses, monitoring NPLs, provisions and cost of risk.
• Monitor covenant compliance, concentration risk and counter‑party exposures, and report limit breaches.
• Lead independent second‑line reviews, thematic reviews and policy enhancements to ensure responsible lending.
• Provide credit risk input into budgeting, forecasting, portfolio optimisation and capital allocation.
• Oversee operational processes such as loan activation, pay‑away, FX approvals and regulatory reporting.

Required profile

• Bachelor’s degree in finance, risk management, accounting, economics or a related field.
• Experience in credit risk analysis, monitoring key risk metrics and managing credit portfolios.

Required skills

• Knowledge of credit risk frameworks, regulatory requirements and risk appetite management.
• Ability to evaluate credit portfolios, optimise returns and capital allocation.