The client is seeking a Head of Credit Risk to lead the development and execution of the credit risk model and strategy across microfinance and SME lending portfolios, balancing portfolio growth with asset quality and profitability targets. This role will support scalable lending operations by setting direction for credit risk governance and ensuring disciplined credit decisioning.
Key responsibilities include designing, implementing, and continuously refining credit policies, underwriting frameworks, scorecards, and approval processes. The role will also monitor portfolio performance, delinquency trends, write-offs, and collection effectiveness, using data-driven insights to identify emerging risks and recommend corrective actions. In addition, the Head of Credit Risk will partner with sales, operations, collections, and product teams to optimize customer acquisition, risk segmentation, pricing, and operational efficiency while maintaining prudent risk standards.
The ideal candidate will have a strong background in credit risk management within financial services and proven proficiency in developing and implementing credit risk models and risk management frameworks. The role typically requires in-depth analytical capability, including strong knowledge of statistics and data science, along with effective communication skills to manage relationships with internal and external stakeholders. Experience leading teams and collaborating with senior stakeholders is also expected, along with a commitment to governance, regulatory compliance, and high reporting standards.