Credit Evaluation Manager

5 days ago

Nairobi, Nairobi Area, Kenya HFC Kenya Full time 120,000 - 180,000 per year

HFC Limited, the banking and property finance subsidiary of HF Group, has an exciting opportunity in our Credit Department. We are seeking a talented, dynamic, self-driven, and results-oriented individual who is committed to performance, excellence, and participating in our growth strategy.

To manage the Asset Finance credit functions and processes by ensuring timely turn around time, compliance to policy and legal frame work in order to grow the loan book at minimal risks for maximum profitability and customer service

Deadline:

Category: Credit

Subsidiary: HFC

Principle Accountabilities

  • Credit Assessment & Approval
  • Review and approve credit applications within delegated limits
  • Analyze borrower profiles using both traditional and alternative data
  • Assess collateral value, product type, and loan structure suitability
  • Ensure compliance with internal credit policies and regulatory guidelines
  • Portfolio Risk Management
  • Monitor key credit performance indicators: approval rate, PAR, NPL, LGD
  • Identify early warning signals of risk concentration or policy gaps
  • Recommend and implement mitigation strategies
  • Policy & Process Management
  • Contribute to credit policy, underwriting guidelines, and scorecard reviews
  • Ensure rigorous documentation, due diligence, and KYC compliance
  • Collaborate with product and tech teams to embed credit rules into systems
  • Stakeholder Collaboration
  • Partner with business, collections, legal, and product teams for lifecycle management
  • Train credit officers, relationship managers, and branch staff on credit standards
  • Analytics & Reporting
  • Prepare credit reports for Director Credit and Lending Committee
  • Use tools like Excel, Power BI, and credit analytics platforms for insights
  • Other Duties
  • Ensure timely insurance renewals for financed assets
  • Oversee remedial actions for struggling accounts
  • Participate in Early Alert, Vehicle Auction, and other relevant committees

Key Competencies and Skills

Competencies

  • Analytical thinking, risk awareness, accountability, process improvement, collaboration, customer-centric mindset

Minimum Qualifications, Knowledge And Experience
Education

  • Bachelor's in Finance, Accounting, Economics, or related field; CPA, ACCA, CFA, or Credit Management certification preferred

Experience

  • 5–8 years in credit assessment/risk management, ideally in asset finance; familiarity with CBK guidelines and scoring models

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