Reports to: Head of Credit Risk Management

Work Location: Head Office, Nyali – Mombasa

1. Key Specific Responsibilities

1.1 Data Analytics & Risk Management

• Apply advanced risk prediction methodologies on portfolio performance data to proactively identify risk and apply corrective action as per policy and risk appetite

• Conduct customer behavior analysis integrated with risk modeling to maintain risk appetite

• Translate complex credit data and predictive insights into accessible formats for non-technical stakeholders, enabling data informed decision-making

• Uphold the highest standards of data integrity by enforcing controls on data collection, storage, processing and sharing/movement, ensuring consistency, accuracy, and completeness and access control of customer and credit information.

1.2 Credit Risk Management

• Promote a risk-aware organizational culture through deployment of credit policies focused on portfolio quality, including borrower qualification/eligibility criteria, and loan structuring

• Design, implement, and continuously monitor credit provision processes, emphasizing robust early warning systems to detect delinquency signals at an early stage and trigger timely loan restructuring or recovery actions

• Manage delinquency lifecycle activities in coordination with Operations, while integrating emerging risk dimensions such as Environmental, Social, and Governance (ESG) factors and climate-related risks into credit assessments and portfolio KPIs to support sustainable lending practices

• Establish and regularly review ratios and specific financial indicators that reflect the effectiveness in the execution of the Credit Risk Management Function

• Analysis of Financial Statements to Assess Financial Position: Rigorous analysis of the financial statements with emphasis with the financial position to determine the trend pattern and correlate with the portfolio performance indicators as a means of establishing the effectiveness of the functional framework

as outlined in influencing the business sustainability within the context of the Yehu Mission and Vision

1.3 Data Management & Integration

• Lead data governance initiatives to ensure credit data accuracy, completeness, and validity by implementing validation rules, reconciliation processes, and periodic data audits critical for reliable credit risk evaluation and regulatory compliance

• Oversee integration of custoer and credit data from different platforms, addressing the challenges posed by hybrid systems to enhance real-time risk analysis

• Demonstrate proficiency with credit risk analytics tools and their strategic application

1.4 Process Optimization

• Apply contemporary risk management techniques, such as predictive analytics, behavioral scoring, or automated monitoring tools

• Collaborate cross-functionally with loan operations, IT, and compliance teams to continuously refine credit risk processes, aiming for streamlined workflows, faster decision-making cycles, and improved customer experience without compromising risk standards

1.5 Reporting & Stakeholder Communication

• Facilitate comprehensive and customized credit risk dashboards and reports addressing the needs of diverse audiences, i.e the board requiring high-level portfolio risk overviews, management needing actionable KPIs, and operational teams focusing on daily portfolio performance metrics

• Deliver compelling presentations on portfolio health, emerging risks, and mitigation strategies using clear visuals and narratives that facilitate strategic discussions and guide resource allocation decisions

• Monthly Correlation of Portfolio Performance Indicators to Financial Position to establish effectiveness of the functional framework

• Reporting of Financial Performance Drivers & Remedial Measures: Reporting causal factors that undermine quality portfolio as well as other financial performance indicators and remedial measures to management

• Establish Ratios & Indicators that Show Financial Health of Portfolio: Establish and regularly review relevant ratios and specific financial indicators that reflect the effectiveness of the credit risk function in driving business sustainability

1.6 Staff Development & Leadership

• Mentor functional and branch teams on risk culture by cascading risk indicators, providing continuous feedback and fostering a culture of accountability linked to both risk management excellence and the institution’s sustainable mission

• Design and execute targeted risk awareness training programs and develop learning aids to enhance staff understanding of credit risk principles, ensuring consistent application of risk policies and contributing to overall portfolio quality improvement

2. Key Qualifications

2.1 Ability to apply risk-based lending practices; i.e. borrower credit scoring, PD models, portfolio segmentation by risk grades, and dynamic pricing models to deploy in loan approvals as to minimize defaults and align with IFRS 9 Expected Credit Loss requirements

2.2 Proven capability to apply advanced credit risk assessment methodologies—such as stress testing, internal risk rating systems, and scenario analysis to validate credit risk data accuracy, compliance with IFRS 9/IPSAS/GAAP lending provisions, Basel credit risk principles, and CBK requirements for internal controls, exposure limits, and loan portfolio monitoring

2.3 Proficiency in management information systems and core banking systems

2.4 Digital Skills Certification i.e. Advanced Excel + Power BI/Tableau, Certification in AI/ML for Finance, Cybersecurity for Financial Institutions

2.5 Regulatory Certification; AML/CFT, RegTech & Compliance Automation Certification

2.6 Leadership development: Leadership courses/Strategic Risk Leadership Programs

2.7 Advanced data analysis and interpretation, root cause analysis, and professional skepticism for predictive risk management

3. Behavioral Competencies

3.1 Demonstrated integrity, ethics, attention to detail and ability to work with cross functional teams to improve processes and mitigate risk

3.2 Result orientation – resilient and solution-oriented in addressing complex challenges, applying objective criteria to deliver risk intelligent structures and processes

3.3 Decisive and Independent – Ability to operate with autonomy, consult and clarify where necessary and make informed decisions

3.4 Interpersonal Skills – Collaborative team leader who builds trust, inspires growth

3.5 Negotiation Skills – Hard negotiator, with excellent professional persuasive approaches

3.6 Communication Skills – Excellent written and verbal communication skills, report/proposal writing and presentation skills

3.7 Job execution – Self-driven with minimal administrative support

4. Job Specifications: Academic & Professional Qualifications:

4.1 Bachelor’s degree in Accounting, Finance, Business Administration, Commerce, Economics, or a related field from a recognized institution

4.2 Certified Public Accountant (CPA-K) or Association of Chartered Certified Accountants (ACCA)

4.3 Certified Credit Professionals/Chartered Credit professional (CCP) Certified Credit Risk Professional (CCRP) Professional Risk Manager (PRM) Chartered Financial Analyst (CFA) Financial Risk Manager (FRM) Anti-Money Laundering/Combating the Financing of Terrorism (AML/CFT) will be an added advantage

4.4 A Master’s degree in Risk Management/Data Science will be an added advantage

4.5 Minimum of 7 years of progressive credit risk management experience, 2 of which should be at a senior or supervisory level, preferably in microfinance, banking or financial services

5. Deliverables

5.1 Daily

5.1.1 Risk Analytics Reports: Provide daily risk analysis updates, highlighting key risk factors and trends within the portfolio.

5.1.2 Customer Behaviour insights: Provide daily insights into customer behaviours, identifying any potential signs of emerging credit risk.

5.1.3 Provide insight of the correlation and causal factors of people, process and customer related issues with respect to the management of a growing healthy loan book

5.2 Weekly

5.2.1 Portfolio Performance Review including delinquency analysis, portfolio composition and any emerging trends in risk

5.2.2 Delinquency management performance both preventive and curative measures –status in every category of PAR (1-30 days, 31-90 days, days and over 180 days)

5.2.3 Data Quality Checks:

5.2.4 Consolidate behavioural attributes that had the most impact in the reported performance outcomes of the previous week as a basis of proactively determining remedial measures to enhance positively reported performance and mitigate the unfavorable performance outcomes

5.3 Monthly (by 10th of following month)

5.3.1 Comprehensive Credit Risk Report

Summary of portfolio performance, delinquency rates, and any changes in risk trends

Monthly Correlation of Portfolio Performance Indicators to Financial Position

Financial Performance Drivers & Remedial Measures causal factors that undermine quality portfolio as well as other financial performance indicators

Ratios & Indicators That Show Financial Health of Portfolio

5.3.2 Customer Segmentation Analysis

5.3.3 Risk Management Strategies report

5.3.4 Key behavioral performance indicators and their impact on the desired performance outcomes with specific remedial measures that inform the expected and desired performance outcomes of the subsequent month

5.4 Quarterly (by 15th of following month)

5.4.1 Quarterly Risk Management Review report

5.4.2 Root Cause Analysis of risk patterns, defaults, and delinquencies

5.4.3 Portfolio Risk Assessment: portfolio’s risk profile focusing on long term trends and forecasting

6. What we offer

Competitive compensation package with fixed and variable pay, performance-based increments, medical allowance, access to personal development facilities

A supportive, values-driven culture with training, mentorship, and career growth opportunities

Opportunity to make a tangible impact on underserved communities while advancing in a growing institution