About the Role

This position is located in Port Moresby and reports directly to the Policy, Governance & Assurance Manager. The successful candidate will collaborate closely with the first line of defense, providing practical support to enhance credit risk management practices, implement effective controls, and improve process maturity across all markets. By leveraging advanced analytics, technology, and strategic oversight, this role plays a vital part in facilitating data-driven decision-making, bolstering credit risk governance, and fostering sustainable growth while ensuring the organization’s protection.

Key Deliverables

• Design, document, and govern credit processes encompassing origination, maintenance, and collections to ensure consistency, robust risk control, and operational efficiency.
• Identify and spearhead workflow improvements aimed at reducing friction, enhancing automation, and decreasing turnaround times, all while maintaining credit quality and compliance.
• Collaborate with internal stakeholders to ensure that the process design aligns with credit strategy, fosters innovation, and supports future-state architecture.
• Work closely with first-line credit and operations teams to implement process changes, enhance capabilities, and ensure that control improvements are both practical and sustainable.
• Provide direct support to the business in remediation efforts, focusing on integrating system-based controls to rectify process and policy misalignments.
• Establish and uphold credit policies, procedures, and guidelines to ensure adherence to regulatory requirements and internal standards.
• Monitor and report on key process risk indicators, identifying challenges and recommending targeted interventions to facilitate continuous improvement.
• Contribute to the development and implementation of front-line accreditation frameworks, ensuring consistent execution of credit decision-making standards.
• Lead and coordinate regular credit process assurance reviews, control testing, and health checks to assess process effectiveness, compliance, and adherence to governance standards, including facilitating process governance forums and working groups.

Essential Qualifications, Professional/Skills and Experience:

• Bachelor’s degree in Finance, Business Administration, Risk Management, or related field.
• Strong technical expertise, business acumen, and communication skills.  Professional certification (e.g., Certified Risk Manager) is desirable.
• Highly numerate, analytical, and knowledgeable in retail credit processes and risk control.
• Proven success in cross-market efficiency improvements through automation and digitization.
• Excellent collaboration and stakeholder engagement skills.  Proficient in MS Office (Excel, Word, PowerPoint).
• Strong understanding of lending, credit risk, and financial concepts.  Experience in developing governance frameworks and processes.
• 7–10+ years in credit risk, operations governance, or process optimization roles in banking or financial services.