Senior Credit Risk Manager - Working Capital, SME, Credit Policy

About the Position

The Senior Credit Risk Manager will play a crucial role in overseeing credit risk management strategies within the SME sector, specifically focusing on working capital solutions. The successful candidate will be responsible for the formulation and implementation of credit policies that align with organizational objectives while effectively managing risk exposure. This position requires a robust understanding of credit risk principles, as well as a strong ability to analyze portfolios and implement proactive measures.

Accountabilities

• Develop comprehensive credit risk management strategies that align with regulatory standards and organizational goals.
• Formulate and implement effective credit policies aimed at supporting the lending process while minimizing overall risk exposure.
• Conduct detailed portfolio analysis to identify trends, potential risks, and areas for improvement, providing actionable insights to senior leadership.
• Leverage scorecards and early warning systems (EWS) to monitor credit risk continuously and initiate proactive risk mitigation measures.
• Collaborate with cross-functional teams to enhance existing credit risk policies and ensure adherence to best practices.
• Prepare thorough reports on credit risk exposure, delivering findings and recommendations to stakeholders for informed decision-making.

Skills and Experience Required

• In-depth knowledge of credit risk management principles, particularly within the SME segment.
• Proven experience in the formulation and execution of credit policies tailored to mitigate risks effectively.
• Strong proficiency in portfolio analysis and advanced risk assessment techniques.
• Familiarity with scorecard development methodologies along with early warning systems.
• Exceptional analytical capabilities coupled with effective problem-solving skills.
• Adept communication skills, enabling successful collaboration with various stakeholders across the organization.

Applications will be assessed against the stated requirements to identify candidates that meet the expectations for this important role.