Credit Evaluation Manager - Asset Finance at HF Group

Principle Accountabilities

Credit Assessment & Approval


Review and approve credit applications within delegated limits
Analyze borrower profiles using both traditional and alternative data
Assess collateral value, product type, and loan structure suitability
Ensure compliance with internal credit policies and regulatory guidelines


Portfolio Risk Management


Monitor key credit performance indicators: approval rate, PAR, NPL, LGD
Identify early warning signals of risk concentration or policy gaps
Recommend and implement mitigation strategies


Policy & Process Management


Contribute to credit policy, underwriting guidelines, and scorecard reviews
Ensure rigorous documentation, due diligence, and KYC compliance
Collaborate with product and tech teams to embed credit rules into systems


Stakeholder Collaboration


Partner with business, collections, legal, and product teams for lifecycle management
Train credit officers, relationship managers, and branch staff on credit standards


Analytics & Reporting


Prepare credit reports for Director Credit and Lending Committee
Use tools like Excel, Power BI, and credit analytics platforms for insights


Other Duties


Ensure timely insurance renewals for financed assets
Oversee remedial actions for struggling accounts
Participate in Early Alert, Vehicle Auction, and other relevant committees


Key Competencies and Skills

Competencies


Analytical thinking, risk awareness, accountability, process improvement, collaboration, customer-centric mindset


Minimum Qualifications, Knowledge and Experience

Education


Bachelor's in Finance, Accounting, Economics, or related field; CPA, ACCA, CFA, or Credit Management certification preferred


Experience


5 - 8 years in credit assessment/risk management, ideally in asset finance; familiarity with CBK guidelines and scoring models