Overview
The Head Credit and Risk’s job description covers but is not limited to the following responsibilities.

Overview

The Head of Credit and Risk’s twofold role and the collaborative nature of their working relationship means:

First, Inde Credit and Head Credit and Risk must work with the relationship managers to ensure they take good care of their existing client base. This means:

helping to keep in regular contact with clients to find out when they have new needs for facilities,
to find out when they expect payment of their existing loans,
to find out as quickly as possible if there’s an issue with an outstanding loan and work quickly and efficiently to find solutions,
to anticipate as much as possible the needs of their clients, thus offering a personalized and dedicated service.
Second, they must develop their business beyond their existing client list. This means:

identifying new market opportunities,

reaching out to off takers to get updated lists of suppliers,
reaching out to potential new customers to build a relationship,
involving management wherever pertinent to build strong networks,
understand the dynamics of their coverage area and be quick to find solutions to grow and
use the resources at their disposal to develop the team.
The Head Credit and Risk must also take great care in growing their loan book organically with performing loans.

The collaborative nature of this role further means that teams must collaborate among each other, between all Inde Credit offices. Head Credit and Risk should have knowledge of what is happening in all offices and be able to assist each other. They must work together with relationship managers and documentation specialists seamlessly to build the necessary reports by the deadline, being quick to communicate any unexpected event that may delay delivery.

Finally, the Head Credit and Risk must ensure the credit report is ready on the 5th working day of every month and that it represents a usable snapshot of the company position, offering valuable decision-making insight to management and the team.