Credit Risk Director

About the role

We are building a digital bank from the ground up and need a Credit Risk Director to design and own the end‑to‑end credit risk architecture. You will shape the credit strategy, set risk appetite, and drive AI/ML‑powered underwriting that delivers real‑time decisions while safeguarding profitability and regulatory compliance.

Key responsibilities

• Define and maintain the credit risk strategy, policy suite, risk appetite framework, and governance model for retail and MSME lending.
• Design, validate, and govern underwriting policies, credit scoring models, and AI/ML decisioning engines for straight‑through lending.
• Establish model governance, validation, monitoring, challenger frameworks, and explainability processes.
• Monitor portfolio quality, run Early Warning Indicator frameworks, and provide decision‑ready analysis to senior leadership.
• Oversee IFRS 9 expected credit loss staging, provisioning, and ensure capital adequacy under Basel requirements.
• Set and optimise digital‑first collections, recoveries, and fraud detection strategies.
• Represent Credit Risk on Board Risk, Risk & Compliance, and product approval committees.
• Build, lead, and develop a high‑calibre credit risk team while partnering with product, data science, technology, finance, and business units.

Required profile

• 12+ years of credit risk experience in banking or financial services, covering acquisition, underwriting, portfolio management, collections, and recoveries.
• Proven track record of leading credit risk functions in fast‑moving, digital‑first environments.
• Deep knowledge of regulatory expectations (CBE, IFRS 9, Basel).
• Experience with AI/ML‑driven credit decisioning and model governance.
• Strong leadership, stakeholder management, and ability to influence board‑level committees.

Required skills

• Credit scoring models
• AI/ML decisioning engines
• IFRS 9 expected credit loss modeling
• Basel regulatory framework