Head Of Credit & Risk Management

About the Company:

Bababos is a rapidly growing startup in the B2B supply chain platform, dedicated to providing equitable access to the best prices, quality raw materials, and flexible payment terms for small and medium-sized enterprises (SMEs). Our mission is to empower SMEs by simplifying procurement and enabling their success in a competitive business landscape.

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Bababos is seeking an experienced Head of Credit and Risk Management to join our dynamic team. As the Head of Credit and Risk Management, you will be responsible for assessing creditworthiness, managing risks, and ensuring our financial health. Your role will include credit underwriting, collateral management, portfolio management, account receivable collection and recovery, and industry sector risk policy.

Responsibilities:

• Leverage experience from reputable foreign banks/financial institutions to enhance risk management practices.
• Collaborate with internal teams to identify and mitigate portfolio risks, implementing risk control measures.
• Utilize your commercial credit recovery expertise to minimize losses and maximize recoveries.
• Provide expert guidance on project financing and manage associated risks.
• Oversee portfolio management, monitoring credit exposures and optimizing risk-return profiles.
• Manage credit operations and collateral, ensuring efficient processes and risk mitigation.
• Implement strategies for account receivable collection and recovery, minimizing delinquencies and bad debts.
• Develop and maintain industry sector risk policies, staying updated on market trends and regulations.
• Conduct credit underwriting for SME, commercial and corporate clients, determining credit limits based on their creditworthiness.

Requirements:

• Minimum 8 years of experience as a Credit Analyst in Corporate and Commercial Banking / Financial Institutions, with 3 years at a Head / VP level or higher.
• Strong leadership abilities to build and manage high-performing teams.
• Strong background in commercial credit recovery and strategies.
• Excellent analytical and problem-solving skills.
• Familiarity with credit operations and collateral management is a plus.
• Experience in project financing is highly desirable
• Exceptional communication and interpersonal skills.
• Preferably, experience from reputable foreign banks / financial institutions, demonstrating exposure to international best practices.
• Extensive knowledge and experience in industry sector risk management.
• Proven track record in active risk portfolio management.

If you are a highly motivated individual with a passion for credit and risk management, and want to make an impact in empowering SMEs, we would love to hear from you. Join Bababos and revolutionize the B2B supply chain platform.