Executive: Credit and Market Risk

Job Classification

Executive: Credit and Market Risk (E1)

Reporting to: Managing Director

Closing Date:27 October 2026

Job Family

Credit

Career Stream

Credit Collections

Leadership Pipeline

Manage Managers

Job Purpose

To lead and support managers in proactively identifying and managing high-risk credit portfolios, minimizing losses, and maximizing business growth opportunities. Effective portfolio management through monitoring risks, implementing corrective actions, setting performance targets, removing delivery barriers, and ensuring sustainable lending practices while managing the bank's credit and market risk exposure within the Treasury environment.

Job Responsibilities

• Ensuring the Bank secures soundly based lending in line with the Bank’s business plans.
• Ensuring strategies, policies and procedures are current (in line with market and client expectations) by monitoring market trends.
• Assessing loan applications within own mandate.
• Creating the necessary structure and processes by allocating appropriate resources to Past Due and Non-Performing portfolios collections.
• Overseeing accounting impairments and regulatory reporting for loans and advances.
• Overseeing credit and market risk management in the Treasury Middle Office, including regulatory reporting.
• Ensuring policies and procedures are aligned to regulatory requirements by reviewing the policies in line with BASEL III and credit and market risk frameworks.
• Supporting and sharing information and knowledge by providing professional input into Executive Committee and Asset and Liability Committee.
• Chair of the Bank Credit Committee (weekly) and Deputy Chair of the Credit Risk and Monitoring Committee (monthly).
• Keeping abreast with changes in the micro and macro-economic, political, legislative and social environment.

Job Responsibilities Continue

• Provide strategic reporting and feedback to stakeholders through the presentation of Cluster Credit Committee reports, Board sub-committee credit reports, and exceptional reports and returns to shareholders and regulators on key risk and credit matters.

Abilities Requirements: 

• Establishing Strategic Direction
• Leadership Skills
• Managing Change
• Driving Execution
• Business Acumen
• Strong decision making and problem-solving skills
• Excellent communication & interpersonal skills
• Ability to work independently, accurately and under pressure

People Specification

(Previously Disadvantaged Candidates are encouraged to apply)

Valid Police Clearance

                                                                                                                            Namibian citizenship

Preferred Qualification

• Relevant post-graduate qualification (MBA, CA, CFA, FRM or equivalent).
• Professional qualification in Risk Management, Finance, Accounting, Auditing, or a related field.

Minimum Experience Level

• Minimum 10 years' senior management experience in banking, with significant exposure to Credit and/or Market Risk.
• Strong understanding of financial analysis, risk assessment, and banking legislation.
• Proven experience in risk strategy development, governance, and regulatory compliance.
• Sound knowledge of Credit Risk, Market Risk, Capital Management, Liquidity Risk, and Basel frameworks.
• Experience in strategic planning and engagement with Executive Management, Board Committees, and Regulators.
• Knowledge of banking policies, procedures, and the Namibian legal and regulatory environment.

Technical / Professional Knowledge

Behavioural Competencies