·        Develop, review, and implement credit policies, procedures, and lending guidelines in line with company strategy and FRA regulations.

·        Oversee credit assessment and approval activities across Microfinance and SME credit functions.

·        Review high-risk, exceptional, and large credit cases prior to approval or escalation.

·        Ensure compliance with internal credit frameworks, governance standards, and regulatory requirements.

·        Monitor portfolio quality indicators including PAR, delinquency ratios, approval/decline ratios, and portfolio concentration risks.

·        Analyze credit trends, emerging risks, and portfolio performance to recommend corrective actions and mitigation plans.

·        Monitor and improve Credit Turnaround Time (TAT) across all branches and operational channels.

·        Ensure consistency and quality of credit analysis and underwriting standards.

·        Coordinate with Risk, Operations, Legal, Compliance, Finance, and Business teams to support efficient credit processes.

·        Prepare periodic credit performance dashboards, portfolio analysis reports, and management presentations.

·        Support strategic initiatives related to portfolio growth, risk optimization, and operational efficiency.

·        Lead, coach, and evaluate Credit Supervisors, Senior Analysts, and Credit Teams to ensure high performance and capability development.

·        Support training and development initiatives to enhance technical and behavioral competencies within the credit function.

·        Ensure proper workload distribution, performance monitoring, and succession planning within the department.

·        Participate in audit reviews and ensure proper implementation of audit recommendations and corrective actions.

·        Identify opportunities for process improvement, automation, and operational enhancement within credit operations.