Head of Credit

About Our ClientOur client is an established financial services organisation operating in the capital markets sector, offering investment and financial solutions. The organisation is seeking an experienced credit professional to lead its credit function, strengthen credit risk management practices, and support informed investment decisions across its credit portfolio.Job OverviewThe Head of Credit will be responsible for leading the organisation's credit function, overseeing credit risk assessment, issuer analysis, and portfolio monitoring while ensuring alignment with business objectives and risk management policies.The role requires a strong understanding of capital markets, fixed income securities, and credit instruments, with the ability to evaluate investment opportunities, manage credit exposure, and provide strategic recommendations to senior management. The successful candidate will also be responsible for strengthening credit frameworks, maintaining portfolio quality, and leading the credit team.Key ResponsibilitiesLead and oversee the credit function, ensuring credit assessment and risk management activities align with organisational objectives and investment strategies.Develop, implement, and review credit risk policies, assessment frameworks, and internal controls to maintain effective risk management practices.Evaluate the creditworthiness of corporate issuers and counterparties through detailed financial statement analysis, cash flow assessment, and review of capital structures.Assess credit risks associated with fixed income securities, corporate debt instruments, short-term investments, and structured credit products.Oversee credit portfolio monitoring, including exposure limits, concentration risks, credit quality, and overall portfolio performance.Review credit proposals, investment recommendations, and risk assessments to support informed decision-making.Monitor market developments, interest rate movements, economic conditions, and industry trends to identify potential credit risks and investment opportunities.Identify early warning indicators of credit deterioration and recommend appropriate risk mitigation measures.Ensure credit exposures remain within approved risk limits while balancing investment opportunities with risk-adjusted returns.Prepare and present credit risk reports, portfolio assessments, and strategic recommendations to senior management and relevant committees.Collaborate with investment, treasury, risk management, and other internal teams to support credit-related investment activities.Lead, guide, and develop the credit team while ensuring compliance with internal policies and applicable regulatory requirements.Qualifications & RequirementsBachelor's degree in Finance, Accounting, Economics, Banking, or a related field. An MBA, CFA, or equivalent professional qualification will be an added advantage.8–10 years of experience in credit risk management, credit analysis, fixed income investments, or related financial services functions.Previous experience in a senior management or leadership capacity, with the ability to oversee credit operations and guide a team.Strong understanding of capital markets, corporate debt securities, fixed income instruments, and structured credit products.Proven experience in evaluating corporate issuers, analysing financial statements, assessing cash flows, and reviewing capital structures.Sound knowledge of credit risk assessment, portfolio monitoring, exposure management, and risk mitigation strategies.Ability to assess market conditions, macroeconomic developments, and interest rate movements and their impact on credit portfolios.Familiarity with financial services regulatory requirements, credit governance, and internal risk management frameworks.Strong analytical and decision-making skills, with the ability to evaluate complex financial information and provide practical recommendations.Excellent leadership, communication, and stakeholder management skills, with the confidence to engage with senior management and investment committees.Interested candidates may send their CV to jobs@mindplus.global.