The Manager, Credit Policy & Compliance is responsible for providing expert input, high-calibre support, and oversight for the development, review, and implementation of Credit policies, the Environmental and Social Management System (ESMS) policy, and procedures. The role ensures that the Bank maintains a sound loan portfolio that complies with regulatory requirements, internal lending policies, risk appetite, and international best practices. Additionally, the position is responsible for overseeing regular process reviews for all lending products and providing independent verification of risk asset quality through deep-dive and thematic reviews across the lending portfolio.
Key Responsibilities
Policy Development: Review, develop, and implement credit policies and strategies to ensure compliance with state laws, regulations, and bank lending procedures.
Risk Management Framework: Ensure adherence to the risk management framework in identifying, controlling, monitoring, and reporting all risks. Work with unit heads to drive Business Continuity Plans (BCP) and operational risk measures.
Portfolio Oversight: Provide sampling, testing, and oversight to offer both point-in-time and forward-looking views of portfolio trends and remediations to enhance asset quality.
Stakeholder Collaboration: Develop working relationships with business unit leaders to highlight key credit issues and provide executive solutions for asset quality and problem debt identification.
ESMS Implementation: Review and implement ESMS policies by integrating them into the internal credit process and ensuring Environmental and Social Due Diligence is undertaken for investment projects.
Training & Development: Identify gaps and coordinate the implementation of comprehensive credit training, operational risk, and compliance programs in consultation with HR.
Audit Resolution: Coordinate the implementation of agreed action plans and track the timely closure of identified credit audit and operational risk issues.
Regulatory Monitoring: Keep abreast of financial industry laws, emerging global banking trends, and CBK Prudential Guidelines.
Subsidiary Support: Provide support to bank subsidiaries in reviewing and implementing their credit policies and processes.
Qualifications and Experience
Education: Bachelor’s degree in Finance, Accounting, Commerce, or a business-related field from a recognized University. A Master’s degree in a business-related field is an added advantage.
Professional Certification: Required professional qualifications in Credit Management. Professional certification in AKIB/CIB, CPA(K), or ACCA is an added advantage.
Experience: At least 5 years of experience in Banking, with 3 years specifically within a Credit function at a management level.
Technical Knowledge: Deep understanding of credit processes, financial statements, ratios, credit reports, and personal financial statements. Strong knowledge of business entity legal structures, risk rating, and CBK Prudential Guidelines.
Soft Skills: Excellent analytical, interpersonal, communication, report writing, and presentation skills. Ability to mentor and coach staff while maintaining high ethical standards.
How to Apply
Interested candidates who meet the specified requirements should send their CV and application letter showing how they meet the role requirements to: Recruitment@nationalbank.co.ke by Thursday, 17th April 2026.
Note:
Indicate your Name & Job Reference number (NBK/CRED/04/2026) on the email subject line.
Applications received after the deadline will not be considered.
How to Apply
Send your CV and application letter showing how you meet the role requirements to: Recruitment@nationalbank.co.ke by Thursday, 17th April 2026. You must indicate your Name & Job Reference number (NBK/CRED/04/2026) on the email subject line. Applications received after the deadline will not be considered.
