Governance & Compliance

• Oversee the timely review and enhancement of the EMB Credit Procedure Guide, ensuring alignment with business developments, risk appetite, and regulatory requirements.
• Ensure full compliance with all applicable regulatory requirements, internal controls, and audit expectations.
• Act as the key point of contact for internal, external, and regulatory audits relating to credit approval matters.

Portfolio Reviews

• Conduct post-mortem reviews on delinquent or problem accounts to identify root causes, systemic issues, and control gaps.
• Partner with Policy and Collections teams to ensure early identification of credit deterioration and timely implementation of corrective actions.
• Provide clear and constructive risk feedback to business stakeholders to support prudent and sustainable EMB portfolio growth.

People & Operational Management

• Manage departmental capacity and resources to ensure credit approval turnaround time are consistently delivered within agreed service level targets.
• Continuously enhance credit approval processes to improve efficiency, quality, and productivity.
• Build a strong risk culture through coaching, mentoring, and effective performance management of the credit approval team.

Job Requirements

• A recognised Diploma or Degree in Accounting, Finance, Commerce, Economics, Business, or a related discipline.
• Minimum 10 years of relevant credit risk or credit approval experience, with proven senior-level decision-making capability.
• Strong credit judgement with high integrity and sound risk awareness.
• Proactive, adaptable, and open to change, with a continuous improvement mindset.
• Excellent planning, organisation, and stakeholder management skills.
• Independent, self-motivated, resourceful, and confident in exercising authority.
• Excellent command of written and spoken English

This Role reports into Head of Retail Credit Risk Management

What we offer:

Competitive base salary. A suite of holistic, flexible benefits to suit every lifestyle. Community initiatives. Industry-leading learning and professional development opportunities. Your wellbeing, growth and aspirations are every bit as cared for as the needs of our customers.