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Head of Credit and Risk

Phoenix Capital Limited Nairobi Full Time Posted 2026-08-07
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CountyNairobiCityNairobiContractFull TimePosted2026-08-07Close dateNot specifiedExperience5 yearsSourceBrighterMonday KenyaSalaryConfidential
head of credit and riskcredit riskrisk managementbankingfinancenairobifull timemid levelcredit approvalportfolio managementsecurityinternship
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AI summary

Phoenix Capital Limited is hiring a Head of Credit and Risk in Nairobi to lead credit approval, enterprise risk management, and loan portfolio oversight. The role requires a Bachelor's degree, around five years of experience, and strong credit judgment to balance portfolio growth with prudent risk management. Full-time office hours are 8 to 5, and applicants should be based in Nairobi, Kenya.

  • Senior credit and risk leadership role in a Nairobi-based financial services firm
  • Owns credit approval, portfolio quality, and enterprise risk management
  • Requires Bachelor's degree and about 5 years of relevant experience
  • Full-time role with standard 8 to 5 working hours
  • Applicants should be located in Nairobi, Kenya

AI job guide

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Source salary available

The source lists Confidential. Confirm the final pay, benefits, contract terms and allowances directly with the employer before accepting an offer.

Can you qualify for this role?

  • Required5+ years of relevant experienceThe job post includes a minimum experience signal.
  • RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
  • PreferredPractical evidence in security, internship, segurancaThe tags and summary point to skills connected with this role.
  • RequiredAvailability to work in NairobiThe vacancy is associated with this location.
  • UnclearComfort with the Full Time contract termsConfirm hours, duration, probation and benefits at the original source.

Documents to prepare

  • Likely requiredUpdated CV
  • Role specificCover letter or short employer message
  • OptionalProfessional references
  • Role specificAcademic or professional certificates
  • VerifyID or passport only after verifying the employer

Application tips for this job

  • Place your strongest Head of Credit and Risk evidence in the first half of your CV.
  • In your cover letter or employer message, connect your experience to Phoenix Capital Limited and the role in Nairobi.
  • Add concrete examples related to security, internship, seguranca, ideally with measurable outcomes or clear responsibilities.
  • Follow the instructions from BrighterMonday Kenya; avoid sending documents to unofficial contacts or copied links.
  • Confirm the deadline, interview location and employer contact before sharing personal documents.

Source and safety check

  • BrighterMonday Kenya
  • Original source link available
  • Application method is clear
  • Deadline not specified
  • No major risk signal was detected in the captured text.

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Interview preparation

  • What experience makes you a strong fit for this Head of Credit and Risk role in security, internship?
  • How have you handled responsibilities similar to those in this job post?
  • Are you available to work in Nairobi under the listed contract or schedule?
  • Prepare examples with clear responsibilities, tools used and measurable outcomes.
  • Review the source and research Phoenix Capital Limited before the interview.

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Original source description

  • HEAD OF CREDIT AND RISK
  • Phoenix Capital Limited
  • Accounting, Auditing & Finance
  • 1 month ago
  • Easy apply
  • Nairobi
  • Full Time
  • Banking, Finance & Insurance
  • Confidential
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  • Job summary
  • Your primary responsibility is to assess and manage the credit risk associated with lending money to individuals, businesses, or other entities.
  • Min Qualification:
  • Bachelors

Experience

  • Level:
  • Mid level
  • Length:
  • 5 years
  • Language Requirement:
  • English
  • Working Hours:
  • Full Time - 8 to 5
  • Applicant
  • Location:
  • Nairobi, Kenya
  • Job descriptions &
  • in credit, risk management, working in microfinance
  • * Proven
  • in credit appraisal, portfolio management, enterprise risk management, and policy development.
  • * Strong understanding of secured lending, particularly vehicle logbook lending and collateral management.
  • * Demonstrated
  • managing loan portfolios and reducing credit losses and non-performing loans.
  • * Sound knowledge of regulatory and compliance

Requirements

  • Key Duties and
  • * Bachelor's Degree in Finance, Accounting, Economics, Business Administration, Banking, Risk Management, or a related field
  • * Minimum of 5years'
  • governing financial institutions and lending operations.
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  • Do not make any payment without confirming with the BrighterMonday Customer Support Team.
  • If you think this advert is not genuine, please report it via the Report Job link below.
  • Report Job

Responsibilities

  • 1. Credit Approval & Lending Oversight
  • ➢ Review, analyze, and approve or decline all credit applications submitted by branch offices in accordance with the Company's Credit Policy and Lending Matrix.
  • ➢ Conduct comprehensive assessments of borrowers' financial capacity, repayment ability, collateral adequacy, and overall creditworthiness.
  • ➢ Ensure all required documentation is complete, authentic, and compliant before loan disbursement.
  • ➢ Decline loan applications that fall outside the Company's risk appetite and provide documented reasons and recommendations where applicable.
  • ➢ Exercise sound credit judgment while balancing portfolio growth with prudent risk management.
  • 2. Enterprise Risk Management
  • ➢ Develop, implement, and continuously improve the Company's Credit Risk Management Framework.
  • ➢ Identify, assess, monitor, and mitigate credit, operational, collateral, fraud, and portfolio risks across the organization.
  • ➢ Recommend risk mitigation strategies to Management and ensure effective implementation.
  • ➢ Establish risk tolerance levels and monitor adherence across all branches.
  • 3. Credit Policy & Governance
  • ➢ Develop, review, and recommend improvements to credit policies, lending procedures, and risk management guidelines.
  • ➢ Ensure consistent application of credit policies throughout all branches.
  • ➢ Review and update the Company's Lending Matrix periodically to reflect market conditions and portfolio performance.
  • ➢ Recommend policy amendments based on emerging risks and business needs.
  • 4. Portfolio Quality Management
  • ➢ Monitor the overall quality and performance of the Company's loan portfolio.
  • ➢ Analyze portfolio trends, delinquency ratios, non-performing loans (NPLs), concentration risks, and portfolio exposures.
  • ➢ Recommend corrective measures to improve portfolio quality and reduce default rates.
  • ➢ Produce regular portfolio risk reports for Executive Management.
  • 5. Collateral & Security Management
  • ➢ Oversee verification, perfection, and custody of all loan securities.
  • ➢ Conduct periodic audits and verification of vehicle logbooks and other collateral to ensure authenticity, legal compliance, and proper documentation.
  • ➢ Ensure collateral values remain adequate throughout the loan lifecycle.
  • ➢ Recommend additional security where risk exposure requires enhancement.
  • 6. Branch Credit Oversight
  • ➢ Provide technical guidance and support to Branch Credit Officers and Lending Teams.
  • ➢ Review branch lending practices to ensure compliance with Company standards.
  • ➢ Identify inconsistencies in branch credit assessments and recommend corrective actions.
  • ➢ Conduct periodic branch credit audits and compliance reviews.
  • 7. Risk Analytics & Reporting
  • ➢ Prepare comprehensive monthly, quarterly, and annual credit risk reports for Senior Management and the Board.
  • ➢ Analyze portfolio performance, approval trends, rejection rates, exposure concentrations, and emerging risks.
  • ➢ Provide data-driven recommendations to strengthen credit quality and improve lending decisions.
  • ➢ Develop Key Risk Indicators (KRIs) and monitor adherence across the business.
  • 8. Compliance & Regulatory Oversight
  • ➢ Ensure all lending activities comply with internal policies, applicable laws, regulatory requirements, and industry best practices.
  • ➢ Monitor changes in financial regulations and recommend operational adjustments where necessary.
  • ➢ Support internal and external audits relating to the credit function.
  • 9. Fraud Prevention & Operational Risk
  • ➢ Identify potential fraud indicators within loan applications and collateral documentation.
  • ➢ Strengthen internal controls to minimize operational and financial losses.
  • ➢ Investigate suspicious lending transactions and recommend appropriate action.
  • 10. Process Improvement & Strategic Advisory
  • ➢ Continuously evaluate the effectiveness of the Company's credit approval process.
  • ➢ Recommend innovative approaches, automation opportunities, and process enhancements that improve turnaround times while maintaining strong risk controls.
  • ➢ Advise Executive Management on credit strategy, portfolio diversification, and emerging market risks.
  • ➢ Participate in strategic planning by providing insights into risk trends affecting business growth.
  • 11. Leadership & Team Development
  • ➢ Lead, mentor, and develop the Credit & Risk team.
  • ➢ Build a high-performance culture focused on accountability, sound credit judgment, and continuous learning.
  • ➢ Conduct regular training on credit policy, risk assessment methodologies, fraud detection, and regulatory compliance.
  • ➢ Evaluate staff performance and identify development opportunities.
  • 12. Stakeholder Collaboration
  • ➢ Work closely with Branch Managers, Operations, Legal, Finance, Recovery, and Senior Management to ensure effective risk management across the organization.
  • ➢ Support the Collections and Recovery teams by providing risk insights on delinquent accounts.
  • ➢ Participate in Credit Committee meetings and provide expert recommendations on complex lending decisions.
Source and provenanceSource: BrighterMonday Kenya. Last checked: 2026-09-19.Kazi Connect is a job discovery service, not the employer. Always confirm the vacancy at the original source.Summaries may be AI-assisted. Report inaccurate content.
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