Head of Credit Risk Management at KPMG

Key roles and responsibilities

• Oversee the identification, assessment, and mitigation of credit risks across the bank's portfolio.
• Ensure credit policies and procedures are robust, align with regulatory requirements, and support the organization’s strategic objectives.
• Maintain quality of the credit portfolio, optimize risk-reward balance, and foster a culture of prudent risk management.
• Minimize risks in Portfolio Management by prudent lending, monitoring financial metrics (PAR, NPL, Provisions ) and regularly reviewing loan book performance indicators to identify concerns from credit decisions.
• Ensure implementation and compliance of the consumer data protection principles in the bank.
• Ensure customer satisfaction through prompt service delivery and effective communication, adhering to Service Level Agreements (SLAs) and Turnaround Time (TAT) standards for business credit applications.
• Periodically review the credit certification program content for relevance, provide stakeholder training, and track exceptions to ensure compliance with approved standards.
• Ensure necessary controls are in place to address the risks encountered during the credit life cycle from origination, evaluation, documentation, account management and collections, by conducting periodic quality sample checks.
• Ensure all Regulatory and Compliance issues are tracked and closed on time for the unit.
• Contribute insetting the risk appetite and ensure exceptions are reviewed and tracked to ensure they are operating within approved standards.
• Track all credit related projects and work with internal and external resources to ensure timely delivery.
• Ensure monthly reports are presented at required forums and committees, and approvals are obtained from the appropriate sanctioning body.
• Play a leading role in coaching, mentoring and developing their teams take responsibility in talent management and succession for the business development teams.
• Ensure periodic monitoring and regular review of credit modelling tools i.e.score cards, Risk Acceptance Criteria to address any emergent issues and potential risk.
• Review new Credit products and ensure monitoring and review of existing credit products performance is periodically conducted and any emergent issues and potential risks are addressed.

Academic/Professional Qualifications and Experience

• A minimum of a Bachelor’s degree in finance, economics, business administration, or a related field (Master’s degree preferred).
• At least 10 years’ experience in Banking, 5 of which should have been in a senior management capacity in a similar role, and in a similar sized organization.
• Professional certifications such as CFA, FRM, or equivalent are highly desirable.
• Seasoned banker, proficient with depth of experience in areas of expertise, management and leadership. Ability to adapt to and work in different jurisdictions. Contributes to policy development for the banking industry within country.
• Strong understanding of credit risk principles, regulatory requirements, and industry best practices.
• Ability to Identify and interpret risks related to sector, industry and business dynamics and the influence of macroeconomic, market-driven, competitive, and strategic influences on current and future industry and business risks.
• Proficient in risk management software with a proven track record of implementing effective credit risk strategies.
• Have political intelligence to navigate a way through diverse stakeholders’ agendas and the resilience to sustain high performance under continued pressure and adversity.

Deadline: 10 June 2024.