Chief Credit Officer

• Design and execute a forward‑looking credit strategy that supports NCBA’s growth, diversification, and profitability objectives
• Drive responsible acceleration of loan originations across consumer, SME, corporate, and syndicated portfolios
• Partner with business units to originate, structure, and approve bankable transactions that expand market share and deepen customer relationships
• Translate macroeconomic and sectoral trends into proactive credit initiatives
• Lead the Bank’s credit‑related regulatory remediation efforts, ensuring full alignment with ECCB prudential standards, IFRS 9, AML/CFT requirements, and internal risk frameworks
• Strengthen the Three Lines of Defense, embedding accountability at origination while maintaining independent challenge
• Ensure accurate risk ratings, provisioning adequacy, and timely, transparent reporting to Executive Management, the Board, and regulators
• Provide decisive oversight of underwriting standards, approval authorities, and credit committee processes
• Review and approve large, complex, and structured credit exposures
• Optimize portfolio mix, sector exposure, and yield to maximize risk‑adjusted returns
• Enhance process efficiency, approval velocity, and credit administration discipline
• Lead strategies to reduce non‑performing loans, accelerate recoveries, and restructure distressed credits
• Oversee management of problem loans, early‑warning indicators, and remediation plans
• Ensure the non‑performing portfolio remains within prudential targets and supports capital recycling for new lending
• Build and lead a high‑performing credit and recoveries team with strong technical judgment and a commercial and sales mindset
• Promote a robust credit culture grounded in accountability, service excellence, and disciplined growth
• Drive continuous improvement, talent development, and succession planning within the credit function

• Bachelor’s degree in Finance, Banking, Management, Economics, or a related field
• a postgraduate degree is highly advantageous
• 10–15+ years of progressive senior leadership experience in credit risk, lending, and portfolio management within a commercial bank or regulated financial institution
• Demonstrated success in scaling loan portfolios while maintaining strong asset quality and regulatory compliance
• Proven ability to lead credit remediation, strengthen governance, and manage complex credit exposures
• Strong financial analysis, underwriting, risk assessment, and problem‑loan resolution skills
• Excellent communication, leadership, and stakeholder‑engagement capabilities

Competitive executive compensation and benefits package