Head of Credit

Knowledge, Skills and Abilities

• Must have excellent communication skills in English, both verbal and written
• Must have basic knowledge of Microsoft Office and CRM software
• Must be proficient in data analytics, statistical modeling, and risk assessment tools and software (e.g., SAS, R, Python, SQL)
• Must be resourceful and well organized, with strong attention to detail and analytical skills
• Must be flexible and able to shift resources and priorities as required
• Must have excellent communication, interpersonal, and problem-solving skills.
• Must have ability to work independently and collaboratively in a fast-paced environment.
• Must have strong knowledge of credit risk management principles, methodologies, and best practices.

Duties

• Develops and implements credit risk management strategies, policies, and procedures to assess, monitor, and mitigate credit risks across the organization.
• Leads credit risk analysis, including evaluating credit applications, assessing creditworthiness, and establishing credit limits based on risk assessment.
• Utilizes data analytics, predictive modeling, and statistical techniques to identify credit trends, patterns, and potential risks.
• Collaborates with underwriting, finance, and compliance teams to ensure alignment of credit risk strategies with business objectives and regulatory requirements.
• Monitors credit portfolios, tracks performance metrics, and reports on credit risk exposures to senior management and stakeholders.
• Stays updated on industry trends, regulatory changes, and best practices in credit risk management and analytics.