Credit Manager-FI Risk

'-Facilitate regular asset quality reviews with provision of analytics insights to identify risks/ opportunities and recommend relevant actions '-Research and evaluate clients creditworthiness '-Approve or reject loan requests, based on credibility and potential revenues and losses '-Calculate and set interest rates, negotiate loan terms with clients '-Ensure credit policies and program risk acceptance criteria are reviewed regularly, with timely updates for proactive adaptation to changes in legal /regulatory requirements, business strategies, market environment or portfolio performance '-Develop, review and update banks credit policies '-Follow up with clients to manage debt settlements and loan renewals '-Create credit scoring models for risk assessment '-Assure adherence to the guidelines set by the bank '-Maintaining records of all bank loans, monitor loan payments and bad debts. '-Analysis of portfolio and ensuring Portfolio monitoring, trigger reviews & delinquency control '-Capture and share best- practice knowledge amongst the team Secondary

' '-Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high quality customer service '-Leverage in-house synergies through collaboration with internal stakeholders Managerial & Leadership

'- Attract and retain best-in-class talent for key roles in their reporting structure Key Success Metrics: 'Portfolio Quality .