Credit Evaluation Manager - Asset Finance at HF Group

Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively.

Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending ...

 

Credit Evaluation Manager - Asset Finance

  • Job TypeFull Time
  • QualificationBA/BSc/HND
  • Experience5 - 8 years
  • LocationNairobi
  • Job FieldFinance / Accounting / Audit 

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

Check how your CV aligns with this job

Method of Application

Interested and qualified? Go to HF Group on www.hfgroup.co.ke to apply

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