Our client is seeking an experienced and knowledgeable Credit Risk Manager to join their team to oversee credit risk management activities in their operations and projects across Africa. As a Credit Risk Manager, you will be responsible for evaluating and managing credit risks, developing risk mitigation strategies, and ensuring compliance with regulatory requirements. The ideal candidate will have a deep understanding of credit risk management principles, experience in the African market, and strong analytical skills. This role requires an individual with excellent decision-making abilities, the ability to work well under pressure, and the confidence to collaborate with diverse teams and stakeholders.

Responsibilities:

• Assess and evaluate the creditworthiness of clients and borrowers within the African market, ensuring adherence to credit risk policies and guidelines.
  
• Develop and implement effective credit risk management strategies and frameworks, aligning with the company's objectives and regulatory requirements.
  
• Conduct comprehensive credit risk analysis and due diligence on potential borrowers, utilizing financial models and industry-specific risk assessment tools.
  
• Monitor and continuously assess credit risk exposure across the portfolio, analysing trends and identifying potential risks or areas for improvement.
  
• Collaborate with various internal teams, including underwriters, finance, and legal, to streamline credit risk processes and ensure consistent decision-making.
  
• Review and analyse credit documentation, loan agreements, and collateral requirements, ensuring compliance with internal policies and external regulatory guidelines.
  
• Establish and maintain effective relationships with external stakeholders, including credit rating agencies, banks, regulatory bodies, and other financial institutions.
  
• Provide guidance and training to teams involved in credit risk activities, ensuring a thorough understanding of credit risk management principles and best practices.
  
• Monitor and provide regular reports on credit risk metrics, key performance indicators, and portfolio trends to senior management and relevant stakeholders.
  
• Stay updated on industry trends, market conditions, and regulatory changes in the African market, enabling proactive risk mitigation strategies and adjustments to credit policies.
  

Key Skills:

• In-depth knowledge of credit risk management principles, methodologies, and regulatory frameworks within the African context.
  
• Strong analytical and quantitative skills, with the ability to assess complex financial data and make sound credit risk decisions.
  
• Familiarity with risk assessment tools, credit scoring models, and underwriting practices.
  
• Excellent understanding of industry-specific credit risk factors and market dynamics in the African market.
  
• Proficiency in using financial analysis software (DebiTEX), risk management systems, and MS Office applications.
  
• Effective communication and presentation skills, with the ability to articulate complex credit risk concepts to diverse audiences.
  
• Strong problem-solving and decision-making abilities, with attention to detail and accuracy in credit risk assessment.
  
• Ability to work collaboratively in cross-functional teams, demonstrating leadership and influencing skills.
  

Qualifications:

• Bachelor's degree in finance, Economics, Business Administration, or a related field. Advanced degree or certifications (e.g., FRM, CFA) are preferred.
  
• Proven experience in credit risk management within the African market, with a minimum of 3-5 years in a similar role.