Applications are invited from suitably qualified candidates to fill the position of Retail Credit Manager tenable at Head Office.Reporting to the Head of Credit, the successful candidate will be responsible for managing the entire Retail Credit Cycle. This role will support the business in shaping and executing tactical strategies, while ensuring effective operational implementation and adoption of credit risk management methodologies, governance frameworks, and delivery objectives.Key ResponsibilitiesImplement and maintain robust credit risk systems and processes.Establish and review credit risk policy, interpreting Group requirements and setting credit risk appetite for the Retail portfolio and being responsible for performance in terms of levels of delinquency, bad debts, provision levels and out of order accounts.Build a strong Risk\/Retail\/Service Delivery partnership that will deliver superior customer experience.Develop implement and maintain credit risk strategies for the Retail business as a wholeCritical analysis of any new retail credit risk product offerings to identity any underlying credit risks and coming up with practical ways to counter or manage the risks.Accountable for the quality and performance of the Retail lending book, including all aspects of lending for the personal and small business sectors.Guide and support Retail key stakeholders on all matters relating to Retail credit riskInput on any retail lending scorecard to be developed and monitoring the score card to ensure effective and efficient delivery of the intended purpose and resultEnsure timely and effective monitoring and control of the Retail lending book as well as review and challenge information and performance.Design, implement and maintain generic strategies for appropriate remedial action on poorly performing accounts in all sectors.Responsible for the audit assessment for the Retail Credit lending space and for any follow up action that is required.Technical Skills\/CompetenciesIn depth knowledge of retail lending principlesIn depth knowledge of retail lending products in all business segmentsStrong financial analysis skillsStrong decision-making skillsStrong interpersonal and organizational skillsHigh level of numeracy to evaluate complex statistical financial informationQualifications and RequirementsFinance Degree.Appropriate Masters Level or Post Graduate Qualification preferably financial oriented \u2013 will be an added advantage.Relevant Professional qualifications in Banking, Accountancy, Credit \/ Risk management.Experienced lending banker including a prior Credit risk management role preferably in the Retail segment.Exposure to Credit and Operational Risk dimensions, Credit Scoring, IFRS 9 \/ Expected Credit Losses implementations amongst others.ApplicationsIf you meet the above minimum requirements and are interested, please send your applications
\nwith an up-dated CV to: FirstCapitalBank.Vacancies@firstcapitalbank.co.mwThe closing date for receiving applications is 21st August 2025.<\/p>\n
Apply Via:<\/p>\n
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