Manager, Credit Risk

Lead credit risk frameworks, portfolio analysis & stress testing for a financial group. Drive lending standards, KPI reporting & independent reviews. 5+ yrs experience & RIMS certification required.

Title: Manager, Credit Risk

Work Type: Full-Time

Role Overview: The Manager, Credit Risk is responsible for the design, implementation, and execution of the credit risk management framework and supporting processes across a Group of Companies.

Key Duties & Responsibilities:

• Support senior leadership in developing and executing an effective communication strategy to promote a culture of risk management across the Group.
• Lead a team in the analysis of credit oversight strategies, loan portfolios, and individual credits to evaluate credit quality, adherence to lending standards, and alignment with approved policies and risk appetite.
• Develop and implement mechanisms for the identification, measurement, monitoring, and reporting of credit risks, including KPI reporting and analyses.
• Assess the overall credit risk profile and ensure consistent application of the credit risk framework, policies, and practices across all entities within the Group.
• Lead independent reviews, challenge and risk assessments of credit proposals, exercising judgement and making recommendations.
• Monitor and report on Credit Risk Appetite metrics, including escalation of breaches and emerging risks to senior management and relevant committees.
• Oversee forward-looking portfolio analysis, including trend analysis, concentration risk, and early warning indicators.
• Lead the design, execution, and reporting of credit risk stress testing scenarios to inform risk mitigation and strategic decision-making.
• Oversee independent credit file reviews and sampling exercises to assess adherence to lending standards and documentation quality.
• Support the development of credit risk systems, dashboards, and reporting tools to enhance data-driven decision-making.
• Collaborate with business lines and senior management to ensure compliance with credit risk management requirements.
• Manage, mentor, and evaluate the performance of direct reports.

Qualifications, Experience & Skills:

• Bachelor's Degree in Management or a related field; MBA would be an asset.
• Professional Certification in Risk Management (RIMS) or equivalent.
• Minimum of 5 years' experience managing credit risk within a financial environment.
• Strong analytical and strategic thinking skills.
• High proficiency in Microsoft Office Suite.
• Excellent verbal and written communication skills.
• Strong relationship-building skills.

Working Conditions:

• Standard office environment; extended hours and some travel may be required.