Senior Credit Manager (Business)

We are seeking an experienced and commercially astute Senior Credit Manager (Business) who will play a critical role in managing business credit risk across the organization. This is a senior role with the responsibility of overseeing the credit risk assessment and approval of business lending applications, ensuring sound credit decisions, regulatory compliance, and the ongoing health of the business credit portfolio. As the Senior Credit Manager, you will work closely with business advisory teams and key stakeholders across the bank to support business growth while maintaining robust risk management standards. You will also provide leadership to the Business Credit Team, ensuring high-quality service delivery and strong credit outcomes.

What you will do

• Evaluating and approving business lending requests within delegated lending authority and agreed turnaround times.
• Conducting thorough analysis of financial information and business performance to support sound credit decision-making.
• Assessing and recommending lending applications, above delegated authority to senior credit authorities and committees.
• Identifying emerging credit risks and implementing appropriate risk mitigation strategies.
• Monitoring and reviewing the business credit portfolio to maintain portfolio quality and identify areas of concern.
• Supporting the review and enhancement of credit policies, frameworks, and standards.
• Collaborating with Business Advisory, Legal, AML, Compliance, Risk, and other stakeholders to ensure informed credit decisions.
• Providing guidance and technical support to relationship managers on credit policy and decision criteria.
• Ensuring all credit assessments and decisions comply with internal policies and regulatory requirements.
• Preparing and presenting credit reports, portfolio analysis, and risk insights for senior management.
• Leading, coaching, and developing the Business Credit Team to deliver high-quality outcomes and maintain strong technical expertise.
• Driving continuous improvement initiatives across credit processes, controls, and risk management frameworks.

What they ask for

Education: Degree or higher · Experience: 5+ years

• Bachelor's Degree in Banking and Finance, Business, or a related discipline.
• Minimum 5-10 years' experience in business credit risk management within a financial lending services organization.
• Strong technical knowledge and practical experience in credit risk assessment and management.
• Sound understanding of banking regulations, industry standards, risk grading, and provisioning systems.
• Proven experience analyzing complex lending transactions and making sound commercial decisions.
• Strong financial and data analytical skills.
• Excellent stakeholder management, negotiation, and problem-solving capabilities.
• Strong leadership capabilities with experience managing and developing high-performing teams.
• Knowledge of Power BI and R Programming would be advantageous.

How to apply

Only shortlisted applicants will be contacted.