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Develop, implement, and review credit strategies, policies, and procedures in line with organizational goals.

Approve credit scoring models, underwriting criteria, and loan approval frameworks for all products.

Monitor portfolio targets for growth, yield, arrears, and write-offs.

Continuously assess and adjust the credit strategy in line with market needs and trends.

Manage the credit mandates of all managers delegated with credit management responsibility.

Identify non-compliance with policies and recommend corrective actions.

Review, appraise, and approve loans, and make recommendations to the Executive and Board Credit Committee when required.

Conduct ongoing portfolio-at-risk (PAR) analysis to identify trends, vulnerabilities, and early warning signals.

Implement robust portfolio monitoring systems and early warning mechanisms to proactively manage delinquency.

Oversee the loan loss provisioning process in accordance with IFRS standards.

Lead stress-testing exercises to assess the portfolio’s resilience to economic shocks.

Oversee the entire loan origination process, ensuring efficiency, accuracy, and compliance.

Streamline credit processes to reduce turnaround time while maintaining strong risk controls.

Manage the collections strategy for delinquent accounts, balancing recovery effectiveness with fair client treatment.

Leverage technology (e.g., core banking systems, MIS) to enhance credit decision-making and operational efficiency.

Lead, mentor, and manage a team of credit and branch managers.

Foster a high-performance culture focused on client service, integrity, and results.

Set performance objectives for the credit team and conduct regular performance reviews.

Provide on-the-job training and development to staff.

Plan for resource allocation for the department.

Carry out performance appraisals for staff in the department.

Coach and mentor staff regularly to improve performance.

Approve new credit staff requirements and staff movements (promotions and transfers).

Review sales staff performance in line with business metrics, with a view to managing, training, upskilling, motivating, retraining, or providing supervisory support to ensure productivity.

Determine training needs of the credit department and branch credit staff to improve loan assessment, analysis skills, and overall competence, supporting continuous growth.

Develop and deliver comprehensive training programs on credit analysis, risk assessment, client interviewing, and collections techniques.

Increase collections to optimum levels.

Manage and enhance recovery of bad debts.

Liaise promptly with the legal department to enforce recovery of bad debts and submit related reports.

Organize and attend regular head-office-based delinquency management meetings and ensure follow-through on agreed action points.

Design and ensure implementation of strategies and action plans for recovery of loans in arrears, and design delinquent loan tracking tools in line with ENCOT’s policies and procedures.

Provide strategic supervision of the credit department’s work streams, including business growth, credit administration, product management, data analytics, and recovery, in alignment with institutional goals.

Prepare and present comprehensive portfolio reports to management and regulatory authorities, ensuring timely submission of monthly (by the 5th) and quarterly (by the 7th) performance reports.

Represent management in relevant executive and board committees (e.g., Risk, ALCO), Disciplinary Committees, and other committees as assigned, presenting credit risk reports and insights to support decision-making.

Act as the primary point of contact for internal and external audits relating to credit operations, ensuring transparency and compliance.

Uphold strict adherence to internal codes of conduct and recognized client protection principles, including SMART Campaign standards.