Purpose of the Job:

To lead the identification, assessment, monitoring, and mitigation of credit risk across the organization by developing and implementing effective risk management policies, frameworks, and tools. The Credit Risk Manager ensures that lending and credit activities align with the organization’s risk appetite and regulatory requirements while supporting sustainable business growth through sound credit risk practices and strategic risk insights

Key Accountabilities:

1. Develops and ensure implementation of country Internal Audit strategic and operational audit plans.
2. Develops and manages internal audit policy documents, guidelines, and charters for adoption at country
3. Implements the Assurance Model within the Country through collaboration with the Risk and Compliance functions, External Auditors and Regulators to ensure appropriate assurance coverage.
4. Adheres to the International Internal Audit (IIA) standards for all internal audit activities concerning positioning, people and processes, with a critical view of achieving and maintaining conformance status.
5. Executes approved audit plans within the Country and report to the Country Audit Committee.
6. Presents Internal Audit findings to the Board of Directors, Audit Committee and Country Management to determine recommendations to appropriate collective plan. 
7. Ensures that Internal Audit reviews determine sufficient governance and control.
8. Implement the strategies and policies approved by the Board, develop processes that adequately identify, measure, monitor and control Risks faced by the institution.

Experience and Qualifications Required:

1. University degree in accounting, finance, business administration, Microfinance or Banking, Business Information Technology (BIT) or other related field.
2. Must have one of professional qualifications ( CPA,ACCA,CIA,CISA Or CFE).
3. At least 5 years of Experience.

Embrace the Group uniquenesses

The job holder shall, at all times embrace Group uniqueness’s set out below:

• Simple - Straight forward and uncomplicated
• Appropriate - Relevant and suitable
• Accessible - Welcoming and consistent
• Ethical - Honest and principled
• Responsive - Receptive and compassionate
• Inclusive - Embracing and proactive

• Develops and ensure implementation of country Internal Audit strategic and operational audit plans.
• Develops and manages internal audit policy documents, guidelines, and charters for adoption at country
• Implements the Assurance Model within the Country through collaboration with the Risk and Compliance functions, External Auditors and Regulators to ensure appropriate assurance coverage.
• Adheres to the International Internal Audit (IIA) standards for all internal audit activities concerning positioning, people and processes, with a critical view of achieving and maintaining conformance status.
• Executes approved audit plans within the Country and report to the Country Audit Committee.
• Presents Internal Audit findings to the Board of Directors, Audit Committee and Country Management to determine recommendations to appropriate collective plan.
• Ensures that Internal Audit reviews determine sufficient governance and control.
• Implement the strategies and policies approved by the Board, develop processes that adequately identify, measure, monitor and control Risks faced by the institution.

• Deciding and Initiating Action
• Leading and Supervising
• Working with People
• Adhering to principles & values
• Relating and Networking
• Persuading and Influencing
• Presenting and Communicating Information
• Writing and Reporting
• Learning & Researching
• Planning and Organizing
• Coping with Pressures and Setbacks
• Commercial Thinking
• Analytical

• University degree in accounting, finance, business administration, Microfinance or Banking, Business Information Technology (BIT) or other related field.
• Must have one of professional qualifications ( CPA,ACCA,CIA,CISA Or CFE).