Chief Credit Officer CCO

• Develop implement and maintain credit policies and procedures.
  
• Ensure compliance with regulatory requirements and industry best practices.
  
• Continuously review and update credit policies to reflect changes in the market and business environment
  
• Oversee the assessment and management of credit risk across the organization.
  
• Develop and implement strategies to mitigate credit risk and ensure the stability of the credit portfolio.
  
• Monitor and analyze credit performance metrics identifying trends and areas for improvement.
  
• Manage the overall credit portfolio ensuring diversification and minimizing exposure to highrisk segments.
  
• Conduct regular reviews of the credit portfolio to ensure compliance with risk tolerance levels.
  
• Implement strategies to optimize the credit portfolio and maximize profitability
  
• Lead and mentor the credit team fostering a culture of high performance and continuous improvement.
  
• Provide training and development opportunities to enhance the skills and capabilities of the credit team.
  
• Set performance goals and conduct regular evaluations to ensure team members meet their objectives.
  
• Leverage technology and data analytics to enhance credit decisionmaking processes.
  
• Collaborate with IT and data teams to develop and implement credit scoring models and risk assessment tools.
  
• Stay informed about emerging technologies and trends in digital lending and fintech.
  
• Collaborate with senior management to align credit strategies with overall business objectives.
  
• Participate in strategic planning sessions to drive the growth and success of the organization.
  
• Provide insights and recommendations to senior management based on credit performance and market analysis.
  
• Build and maintain relationships with key stakeholders including regulators investors and partners.
  
• Represent the organization in industry forums and conferences to enhance its reputation and visibility.
  
• Communicate credit policies strategies and performance to internal and external stakeholders.
  

Requirements

• Bachelor s degree in Finance Business Administration Economics or a related field. MBA or advanced degree preferred.
  
• Proven experience in a senior credit management role preferably in fintech or digital lending.
  
• Strong understanding of credit risk management principles and practices.
  
• Excellent analytical problemsolving and decisionmaking skills.
  
• Strong leadership and team management abilities.
  
• Proficiency in using credit risk assessment tools and technologies.
  
• Excellent communication and interpersonal skills.
  
• Ability to work effectively in a fastpaced and dynamic environment