Head of Credit- Business & Commercial Banking

Company Description

Standard Bank Offshore is the offshore arm of the Standard Bank Group, a leading Africa focused financial services group, and an innovative player on the global stage. Our international Banking, Lending, Investment, Fiduciary and Wealth Management services   offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals.

Our clients range from individuals to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa and SBO is perfectly positioned to support the growth of our organisation from our office in the Isle of Man, Jersey, London, Mauritius and South Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you

Job Description

Lead the Credit Risk function for a designated Business Unit (BU) in a Tier II country, ensuring effective credit risk management across the entire credit lifecycle. Implement the BU's credit strategy in alignment with country-level credit objectives, risk appetite, and regulatory requirements, while supporting sustainable business growth and maintaining a high-quality credit portfolio.

Qualifications

Type of Qualification:  Business Commerce, Finance and Accounting, Generic Management, Risk Management

Experience Required: Chief Risk Officer, Risk & Corporate Affairs, 8-10 years
This role requires a seasoned leader and expert in Risk management with extensive knowledge of the entire credit lifecyle. Regulatory environment savvy, a proven track record in large scale and high-level leadership and capable of influencing seasoned stakeholders. Experience in managing credit origination (both intuitive and automated) and credit operations and managing effective stakeholder relationships to drive the achievement of business strategy.

Outputs:

• Monitor and analyse the external environment (including economic, regulatory, and industry factors) in the Tier 2 Africa Regions country to identify emerging credit risks and support the Business Unit's strategies.
• Implement a comprehensive Credit Risk Management framework for the Business Unit, aligned with the organisation's overall risk appetite and strategic objectives.
• Conduct regular portfolio reviews to identify trends, concentrations, and potential vulnerabilities, implementing corrective actions as directed.
• Monitor key performance indicators (KPIs) to track portfolio performance, identify emerging risks, and assess the effectiveness of credit risk controls across the entire credit risk lifecycle.
• Maintain and implement BU-specific credit policies and procedures, ensuring alignment with country-level standards and regulatory requirements, allowing local adaption for compliance, regulatory, legal and market needs.

Additional Information

Behavioural Competencies:

• Challenging Ideas
• Convincing People
• Developing Expertise
• Developing Strategies
• Directing People
• Embracing Change
• Empowering Individuals
• Exploring Possibilities
• Making Decisions
• Providing Insights
• Upholding Standards
• Valuing Individuals

Technical Competencies:

• Economic Capital Management
• Evaluating Risk Management Effectiveness
• Financial Acumen
• Promote Good Governance, Risk & Control
• Quality Management
• Risk Acceptance
• Risk Awareness
• Risk Identification
• Risk Management
• Risk Measurement
• Risk Reporting
• Risk Response Strategy
• Risk/ Reward Thinking
• Root Cause Analysis

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