Head of Credit at Ultraviolet Microfinance Bank

Responsibilities
Credit Risk Management Strategy:

• Develop and implement a comprehensive credit risk management strategy aligned with the bank's overall business objectives.
• Establish clear credit policies and procedures for loan origination,underwriting, and collection.
• Conduct regular credit risk assessments tidentify and mitigatepotential risks.
• Develop and monitor key credit risk metrics and reporting tools.

Loan Origination and Underwriting:

• Oversee the loan origination process, ensuring adherence to credit policies and procedures.
• Lead the loan underwriting team in assessing the creditworthiness ofloan applicants.
• Implement effective loan structuring and pricing strategies.

Loan Collection and Portfolio Management:

• Develop and implement strategies for effective loan collection and delinquency management.
• Oversee the loan portfolio and ensure its quality and profitability.
• Minimize non-performing loansand manage loan restructuring when necessary.

Compliance and Regulatory Reporting:

• Ensure compliance with all relevant credit risk management regulations and reporting requirements.
• Maintain strong relationships with regulatory authorities.

Team Leadership and Development:

• Lead and manage the credit department, fostering a high-performing and professional team.
• Provide coaching and mentoring tstaff for continuous improvement.

Requirements

• Minimum of 3 years of experience in a senior credit risk management role,
• preferably in a microfinance or financial services industry.
• MCIB (Member of the Chartered Institute of Bankers) certification or equivalent professional qualification is an added advantage.
• Proven track record of developing and implementing successful credit risk management strategies.
• Strong understanding of microfinance credit risk principles and practices.
• In-depth knowledge of BankOne Solution or similar software.
• Excellent analytical and problem-solving skills.
• Strong communication, interpersonal, and leadership skills.
• Ability twork independently and as part of a team.