Group Head Credit and Risk

About the role

The Company is looking for an experienced Group Head of Credit & Risk to provide strategic leadership across its credit and risk management functions. The role ensures sound credit decisions, strong portfolio quality, effective risk identification and mitigation, and compliance with regulatory requirements.

Key responsibilities

• Provide strategic leadership for the Group's Credit and Risk Management functions.
• Develop, review and implement credit and risk management policies and frameworks.
• Oversee credit appraisal, approval and portfolio monitoring processes.
• Review credit proposals and deliver independent risk assessments and recommendations.
• Monitor credit exposures, portfolio quality, concentration risks, and non‑performing loans.
• Establish risk controls, limits and monitoring mechanisms.
• Identify emerging credit, operational and enterprise risks and implement mitigation strategies.
• Ensure compliance with CBN regulations, internal policies and other regulatory requirements.
• Collaborate with Business, Finance, Internal Audit, Compliance and other functions.
• Provide regular credit and risk reports to Management and relevant committees.
• Lead, mentor and develop the Credit & Risk team.

Required profile

• Bachelor's degree in Finance, Economics, Accounting, Business Administration or related field.
• Professional qualifications such as CIBN, ICAN, ACCA, CFA, FRM are an advantage.
• 12‑15 years of experience in credit, risk management, banking or financial services.
• At least 5 years in a senior management or leadership role.
• Strong experience in credit analysis, credit risk assessment and portfolio management.
• Extensive knowledge of lending principles, credit policies and risk management frameworks.
• Solid understanding of regulatory requirements for financial institutions.
• Proven ability to present credit and risk matters to senior management and committees.