Credit Risk Manager job at Hofokam Uganda | Apply Now

1. Credit Risk Management

• Develop and implement credit risk policies and frameworks aligned with Hofokam’s risk appetite.

• Identify and monitor emerging credit risks; recommend mitigation strategies.

• Regularly review credit processes and loan products for relevance and robustness.

• Oversee the loan approval framework, including high-risk credit decisions escalated from branches.

2. Branch Supervision

• Conduct regular performance reviews with Branch Heads.

• Ensure branches adhere to credit risk policies, quality standards, and portfolio growth targets.

• Review branch portfolio health, delinquency trends, and operational compliance.

• Conduct routine branch visits to assess risk practices and implement corrective measures.

• Support underperforming branches through targeted interventions.

• Promote a culture of performance, accountability, and continuous improvement.

• Produce quarterly performance and leadership assessment reports.

3. Portfolio Quality Monitoring

• Track and report on key portfolio metrics (e.g., PAR, NPLs, write-offs).

• Analyze trends by product, sector, and region; recommend strategic adjustments.

• Lead portfolio review meetings and propose corrective actions.

4. Loan Recovery and Collections Oversight

• Supervise delinquency management efforts and follow-up on overdue accounts.

• Assist in resolving complex recovery cases or restructuring efforts.

• Monitor and evaluate collection strategies across branches.

5. Training and Capacity Building

• Train and mentor loan officers and Branch Heads on credit risk management, credit analysis, and recovery.

• Develop training materials and SOPs for credit and risk functions.

• Promote ethical lending practices and a strong risk management culture.

6. Compliance and Operational Risk

• Collaborate with Internal Audit and Compliance teams on audit findings.

• Uphold principles of customer protection and responsible lending.

7. Reporting and Communication

• Prepare regular credit risk reports for senior management.

• Communicate credit risk strategies and updates across branch teams.

• Coordinate with departments such as IT, Finance, and Legal on risk-related matters.

8. Performance Management

• Drive leadership development and succession planning within the Credit Department.

• Participate in recruitment and onboarding of credit staff.

• Conduct regular performance appraisals and manage staff leave schedules.

Key Performance Indicators (KPIs):

• Quality of loan portfolio and provisioning levels

• Business profitability

• Timely and accurate credit risk reporting

• Staff appraisal completion

• Competency development of credit staff

• Evaluated work plans and performance reviews for Branch Heads and loan supervisors