Credit Risk Associate Manager

Job Brief:

This role is pivotal in driving the design, development, implementation and maintenance of mission-critical financial systems, including loan origination, credit scoring, and core lending platforms. This role demands a deep understanding of software engineering best practices, systems architecture, secure coding, and experience in delivering robust, scalable, and high-performance solutions within the financial services domain. The ideal candidate will possess a blend of technical expertise, strategic vision, and leadership acumen.

Responsibilities:

• Manages the process of identifying and assessing the risks affecting the credit Risk.
• Assists in developing mitigation strategies for risks related to Loan origination and monitoring these risks.
• Ensuring lending process are in line with all regulations in place.
• Review of Credit Applications to be forwards for Chief Risk Officer as per underwriting policies in place and analyses all expectations shared with the CRO
• Ensuring consistency in evaluation and reporting of Risk.
• Producing the risk reports to all stakeholders on a regular basis.
• Organizes appropriate risk reporting, internally and externally.
• Gathering, reviewing and analysing evidence to build an awareness and understanding of changes taking place, or proposed to all related stakeholders.
• Document, and ensure communication of key risks. Maintains the communications channel with operations
• Maintain input or data quality of risk management systems.
• Monitoring of external indicators and market developments.
• Performs testing for New Products and performs PIV for every change in the Core system / Decision engine
• Ensuring of escalation mechanisms are established and are being used
• Maintain input or data quality of risk management systems.
• Monitoring of external indicators and market developments.
• Performs testing for New Products and performs PIV for every change in the Core system / Decision engine
• Ensuring of escalation mechanisms are established and are being used
• Manage employee performance and development by assigning individual performance targets and development objectives at least on an annual basis.
• Direct and supervise the activities and work of subordinates by providing formal and informal feedback regularly and on a timely basis, to ensure that all work is carried out in an efficient manner and in accordance with set individual targets
• Adherence to all regulations and control function within the company in order to ensure that governance, Audit, risk and compliance matters are carried out.
• Fully adherence to the cybersecurity policies, processes, standards and regulations.
• Ensure preparation of reports in a timely and accurate manner to meet the departmental requirements.
• Responsible for confidentiality of EMKAN’s at during employment with EMKAN.

Qualification and Experience:

• Bachelor’s degree in Finance, Business Administration, or any other relevant field (Master’s degree is preferred).
• Minimum of 6-8 years of relevant experience.
• Prior Experience in lending products.
• Prior Experience in Auto lease, Credit Cards and SME