CREDIT AND RISK MANAGER

CREDIT AND RISK MANAGER

On-HoldOn site
Industry : Financial Services
Location: Egypt
Work Experience: 7 years

Job Description

1.Risk Management Strategy:

• Develop and implement a robust risk management strategy, policies, and procedures aligned with the company's objectives and regulatory requirements.

• Identify, assess, and prioritize key risks, including credit risk, operational risk, liquidity risk, and regulatory risk.

• Design and maintain risk assessment tools and methodologies to evaluate and monitor risks on an ongoing basis.

2.Risk Mitigation and Controls:

• Develop and implement risk mitigation strategies and action plans to minimize potential losses and maximize opportunities.

• Establish and maintain effective internal controls, ensuring compliance with regulatory frameworks and industry best practices.

• Monitor and enforce adherence to risk limits, policies, and procedures across the organization.

3.Credit Risk Management:

• Oversee the credit risk management function, including loan portfolio analysis, credit underwriting, and collection strategies.

• Develop and monitor credit risk models, ensuring accurate risk assessment and timely identification of potential defaults.

• Collaborate with the lending team to establish appropriate credit risk policies, procedures, and guidelines.

4.Compliance and Regulatory Oversight:

• Stay abreast of regulatory developments and ensure compliance with applicable laws, regulations, and reporting requirements.

• Develop and maintain strong relationships with regulatory authorities and manage regulatory audits and examinations.

• Advise the executive team and relevant stakeholders on regulatory changes and their potential impact on the organization.

5.Risk Reporting and Analysis:

• Prepare and present comprehensive risk reports to senior management and the board of directors, highlighting key risk areas and trends.

• Analyze risk data and provide actionable insights to support decision-making and risk mitigation strategies.

• Monitor key risk indicators and provide early warning signals to proactively address emerging risks.

6.Team Leadership and Development:

• Lead and mentor a team of risk professionals, providing guidance, support, and ongoing training.

• Set performance goals, conduct performance evaluations, and promote a culture of continuous improvement.

• Foster cross-functional collaboration and promote risk awareness and a strong risk culture across the organization.



Requirements

• practical experience of not less than 7 years in the fields of banking and/or Financing companies/activities in functions of finance

• previously held a supervisory position in a financial institution or company

• good conduct and of good reputation

• must not have previously been sentenced to a felony or a freedom-restricting penalty for a crime.

• must have a higher qualification from one of the Egyptian colleges or from a foreign university.

• not assume executive duties in any other entity after join company



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