Head of Credit at Beacongate Limited

Job Description

• We are hiring a highly experienced Head of Credit to lead credit operations, manage risk, and ensure the quality of our loan portfolio.
• The ideal candidate will have strong analytical capabilities, deep credit management expertise, and proven leadership experience.

Responsibilities

• Lead and oversee the organization’s credit operations and policies.
• Assess and mitigate credit risk while ensuring compliance with regulatory standards.
• Monitor and optimize loan portfolio performance.
• Develop and implement credit strategies to support business growth.
• Lead, mentor, and develop the credit team for operational excellence.
• Oversee credit underwriting, evaluation, and approval processes.
• Ensure timely review of credit applications and adherence to internal credit guidelines.
• Collaborate with Finance, Risk, Compliance, and Operations teams to ensure seamless credit processes.
• Prepare periodic credit reports for senior management and regulatory bodies.
• Design and implement credit risk models and scoring systems to improve decision-making.
• Review and update credit policies in line with market trends and regulatory requirements.
• Manage loan recovery strategies and oversee effective debt collection efforts.
• Drive continuous improvement of credit workflow, systems, and internal controls.

Requirements

• Bachelor’s Degree in Finance, Accounting, Economics, or a related field.
• Minimum of 6–8 years relevant experience in credit management, preferably within the financial services industry.
• Strong analytical, decision-making, and leadership skills.
• MBA or relevant professional certification is an added advantage.