Job Description

Job Overview

Business Segment:

Business & Commercial Banking

Location:

IM, undefined, Douglas, Circular Road 1

Job Type:

Full-time

Job Ref ID:

80445953A-0001

Date Posted:

10/1/2025







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:

8-10 years' experience in Risk management with extensive knowledge of the entire credit lifecycle.

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.

This role requires a seasoned leader and expert in Risk management with extensive knowledge of the entire credit lifecycle.

Essential 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

Technical Competencies:

Economic Capital Management

Evaluating Risk Management Effectiveness

Financial Acumen

Promote Good Governance, Risk & Control

Quality Management



#SBO

Please note:

All our recruitment processes comply with the applicable local laws and regulations. We will never ask for money or any from of payment as part of our recruitment process. If you experience this, please contact our Fraud line on +27 800222050 or TransactionFraudOpsSA@standardbank.co.za