Head of Credit

Location: Accra, Ghana
Employment Type: Full-Time
Application Deadline: 30 May 2026

About the Company

We are a reputable financial institution committed to delivering innovative financial solutions and exceptional customer service to individuals, businesses, and communities across Ghana. Our organisation is driven by integrity, professionalism, operational excellence, and a strong commitment to sustainable growth.

We foster a collaborative and inclusive workplace where employees are empowered to contribute meaningfully, develop professionally, and thrive within a high-performance environment.

The Role

We are seeking an experienced and strategic Head of Credit to lead and manage the institution’s credit operations and portfolio management activities. The successful candidate will play a key role in developing sound credit strategies, ensuring effective risk management practices, maintaining portfolio quality, and supporting the institution’s overall business objectives.

This role requires a results-oriented professional with strong leadership capabilities, sound financial expertise, and deep understanding of credit management within the banking sector.

Key Responsibilities

As Head of Credit, you will:

• Lead the development and implementation of the institution’s credit policies, procedures, and risk management frameworks.
• Oversee credit assessment, approval, monitoring, and recovery processes to ensure portfolio quality and regulatory compliance.
• Evaluate credit applications and make recommendations in line with established lending guidelines and risk appetite.
• Monitor credit performance and identify potential risks, trends, and areas for improvement.
• Ensure effective management of non-performing loans and recovery strategies.
• Provide leadership and guidance to the credit team to achieve departmental objectives and operational excellence.
• Collaborate with internal stakeholders to support business growth while maintaining prudent credit risk standards.
• Prepare and present credit portfolio reports and performance analysis to senior management and relevant committees.
• Ensure compliance with regulatory requirements, internal controls, and industry best practices.
• Drive continuous improvement initiatives within credit operations and portfolio management processes.

Qualifications and Experience

To be successful in this role, you should have:

• A minimum of a Bachelor’s degree in Banking, Finance, Accounting, or a related field.
• A minimum of ten (10) years of relevant professional experience, including at least four (4) years in a managerial role, preferably within a community banking environment.
• Strong knowledge of credit analysis, credit administration, and risk management principles.
• Proven leadership and team management experience.
• Excellent analytical, decision-making, and problem-solving skills.
• Strong communication, negotiation, and stakeholder management abilities.
• Sound understanding of banking regulations and industry standards.
• High level of integrity, professionalism, and attention to detail.

Why Join Us?

We are committed to creating an environment where employees can excel professionally while contributing to the success of a growing and respected financial institution.

What We Offer

• Career Development: Opportunities for professional growth and leadership advancement.
• Collaborative Environment: A supportive workplace that values teamwork, innovation, and excellence.
• Meaningful Impact: Contribute to strategic decision-making and the financial success of the institution.
• Professional Culture: Work within an organisation that values integrity, accountability, and customer focus.

Diversity and Inclusion

We are committed to building a diverse and inclusive workplace where all employees feel respected, valued, and empowered to succeed. We welcome applications from qualified individuals regardless of background, gender, age, ethnicity, religion, or disability.

How to Apply

Apply online by clicking on the application button below.