Head- Adjudicator

The Head – Adjudication will lead a team of adjudicators and assume overall accountability for credit adjudication within the Bank’s lending authority. The role requires a balance of strategic oversight and hands-on decision-making to support business growth while safeguarding the Bank’s risk position.

Level: Senior Manager

Contract: Permanent

Key Responsibilities

Credit Adjudication & Risk Oversight

• Lead and manage the adjudication of retail, commercial, and digital loan applications
• Ensure all credit decisions align with internal policies, regulatory standards, and risk frameworks
• Review and approve loan applications within assigned authority and escalate where required
• Monitor adherence to service level agreements (SLAs) and ensure timely, accurate decisions
• Identify and mitigate credit, fraud, and compliance risks

Leadership & People Management

• Lead, coach, and develop a high-performing adjudication team
• Establish performance targets and monitor outcomes against strategic objectives
• Build succession plans and strengthen team capability
• Promote a culture of accountability, professionalism, and continuous improvement

Strategy & Operational Excellence

• Drive execution of the Bank’s credit strategy and operational plans
• Develop and monitor performance metrics aligned to business goals
• Identify process improvements and implement efficiencies across adjudication workflows
• Collaborate with internal stakeholders (Risk, Compliance, Sales, IT, Audit) to enhance decision-making and service delivery

Governance & Stakeholder Engagement

• Ensure compliance with regulatory requirements and internal governance frameworks
• Prepare and present submissions to Credit Committee and Board
• Partner with key stakeholders to manage risk events, audit findings, and product development initiatives

Qualifications & Experience

• Bachelor’s degree in Finance, Business Administration, Economics, or related field (Master’s or professional certification preferred)
• 7–10 years’ experience in credit adjudication, underwriting, or credit risk management
• Minimum 5 years in a leadership role within financial services
• Strong knowledge of retail, commercial, and digital lending products
• Proven experience in risk assessment, credit analysis, and decision-making
• Experience with digital lending platforms and data analytics tools is an asset

Key Competencies

• Strategic thinking and analytical ability
• Strong leadership and people development skills
• Excellent communication and stakeholder management
• High level of professional judgment and decision-making
• Customer-focused with a strong risk awareness mindset