Senior Role - Credit Policy - Retail Banking

 The main responsibilities for the Credit Risk Policies, Retail Banking

- Assist in design & implementation of credit policies

- Handle Credit Policy for the Retail/Consumer Banking business with a focus on loans, secured, unsecured and related products

- Assist in amendment of existing policies through proactive & innovative solutions for profitable business growth

- Risk Analysis and Project Management for new product approvals and new business

- Handle financial analysis and performance analysis

- Handle portfolio management and ensure that portfolio quality is optimal

- Assist the development of application scorecards, cut-off finalization, implementation and on-going monitoring of the same

- Effective early warning mechanisms & competitor policy tracking to enable proactive action to expand / tighten policies.

- Enable retention of profitable customers for overall profitable growth through appropriate cross sell and top up policies.