Group Director, Credit Policy, Oversight & Governance

Job Description:

As the Group Director, Credit Policy, Oversight & Governance your role is to oversee credit risk-taking activities across the Group to ensure adherence with the Board approved strategy and risk appetite.

You will be responsible for maintaining and implementing the Group Credit Risk Type Framework, policies, and strategies for effective management of credit risk, while ensuring alignment with the groups risk appetite and governance guidelines. Your expertise in portfolio management, stress testing, and credit risk analytics will be critical in driving risk-informed decision-making and optimizing the credit risk profile of the Group.

Responsibilities:

1. Framework and policy development:

• develop and maintain a Credit Risk Type Framework and policies that align with business strategy and objectives, regulatory requirements and industry best practices, and monitor compliance across the Group
• ensure policies are effectively communicated and understood across the Group
• regularly review and update the Credit Risk Type Framework and associated policies to reflect changes in the risk landscape and business environment

2. Risk appetite and governance:

• define and articulate the group’s credit risk appetite and tolerance levels for board approval and monitor to ensure adherence
• establish and maintain credit risk MIS and other reporting processes in support of robust governance and board and senior management levels
• collaborate with senior management and other internal stakeholders to ensure credit risk appetite is aligned with business strategy and objectives

3. Portfolio management:

• monitor and assess the credit risk profile of the Group's portfolio relative to objectives
• develop strategies to optimize the risk-return trade off, balancing risk exposure and profitability
• Implement effective credit risk assessment, mitigation and monitoring processes to proactively identify and address potential credit quality issues

4. Stress testing and scenario analysis

• design and execute stress testing programs to assess the resilience of the Group's credit portfolio at segment level as well as industry/sector under adverse scenarios
• analyze stress test results and provide recommendations to senior management and the Board for risk mitigation strategies
• design and lead horizon scanning exercises to enable the senior management and the Board to stay updated on emerging risks and trends in the operating environment that could impact the credit risk portfolio

5. Analytics and reporting

• Utilize advanced analytics techniques to analyze credit risk data and derive actionable insights
• implement credit risk models and methodologies for risk measurement and forecasting
• prepare comprehensive reports and presentations on credit risk metrics, trends, and portfolio performance for senior management and the Board

Requirements: Qualification and Skill

• Bachelor's degree in finance, economics, risk management, or a related field (advanced degree preferred)
• Minimum 10 years’ experience with 5 years’ experience in Senior Management
• Extensive experience in credit risk management, preferably in a financial institution or similar environment
• Strong knowledge of credit risk frameworks, policies, and regulatory requirements
• Proficiency in portfolio management techniques, stress testing methodologies, and risk analytics
• Familiarity with credit risk modeling, including statistical and predictive modeling
• Excellent analytical and problem solving skills, with the ability to translate complex data into actionable insights
• Strong communication and presentation skills, with the ability to effectively convey credit risk concepts to non-technical stakeholders
• Leadership experience, with the ability to manage and mentor a team of risk professionals
• Up-to-date knowledge of industry trends, emerging risks, and regulatory developments related to credit risk management

If you wish to apply for the position please send your CV to Chalden Du Toit at [email protected]

Please visit www.caglobalint.com for more exciting opportunities.

Chalden Du Toit

Recruitment Consultant

CA Finance

CA Global will respond to short-listed candidates only. If you have not had any response in two weeks, please consider your application unsuccessful however your CV will be kept on our database for any other suitable positions

CA Global Headhunters is an international staffing company with a specific focus on recruitment in Africa. Our extensive, diverse candidate network built up over 10 years comprises the most skilled and experienced candidates. We recruit talent of the highest standards across African sectors, including Mining, Oil & Gas, Engineering, Banking, Finance, Legal, Insurance, Commodities, and Agriculture. As African markets continue to grow and develop, so too does our skill and expertise, ensuring that we deliver the best service to both clients and candidates.

Thanks to our access to global networks and resources, we understand our clients’ cultures, operations, business strategies, and industries. We are always on par with the latest technologies and trends which assist us in sourcing the best talent for clients. Whatever stage of the project lifecycle, we can put forward the right candidates with the right skills.