Job Summary

We are seeking an experienced Senior Credit Manager to lead and oversee credit risk management activities in our Kampala office. This role is critical in safeguarding asset quality, ensuring robust risk-return decisions, and supporting strategic business planning through insightful forecasting. The successful candidate will uphold the highest standards of integrity and accountability while nurturing a culture of excellence and continuous risk management improvement across the bank's operations.

Key Responsibilities

• Lead and oversee comprehensive credit risk management activities, ensuring meticulous evaluation and management of customer creditworthiness and portfolio quality across corporate and commercial sectors.
• Design, implement, and continually refine credit risk policies and frameworks that align with the bank’s strategic objectives, risk appetite, and compliance requirements.
• Evaluate, endorse, or reject credit applications within delegated authority limits, ensuring adherence to Group Mandates and established credit standards.
• Continuously monitor credit portfolio performance, analyse impairment patterns, identify early risk indicators, undertake stress testing and scenario planning to pre-empt potential credit challenges.
• Prepare detailed and clear risk reports for senior management, risk committees, regulators, and other stakeholders that inform decision-making and strategic direction.
• Enhance internal controls and processes related to credit risk management to improve efficiency, accuracy, and timely escalation of material risks or breaches.
• Foster strong collaborative relationships with internal teams such as Sales, Compliance, and Risk, as well as external parties including clients, regulators, and credit rating agencies to facilitate transparent and informed credit decision-making.
• Champion a culture of risk awareness, continuous learning, and professional development within the team and wider bank community.

Skills and Experience

• Demonstrable experience managing credit risk across diverse corporate and commercial banking loan portfolios with strong results in risk mitigation and portfolio health management.
• Deep understanding of operational risk management principles, credit policies, and regulatory frameworks governing banking operations in Uganda and internationally.
• Advanced analytical skills including financial statement analysis, credit scoring methodologies, portfolio risk review, stress testing techniques, and comprehensive risk reporting.
• Exceptional communication skills with the ability to effectively engage stakeholders at all levels, from frontline teams to senior executives, regulators, and external partners.
• Proven leadership capabilities including mentoring, developing talent, and fostering high-performance teams aligned with organisational values and risk culture.
• Experience with credit risk analytics software and systems to support data-driven decision-making and reporting accuracy.
• Prior exposure to regulatory engagement processes and familiarity with credit risk assessment in the context of regulatory audits and external credit reviews add value.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, Risk Management, or a closely related discipline; postgraduate degrees or professional certifications such as CFA, FRM, or certifications in credit/risk management are highly desirable.
• Formal training and certification in credit risk management, compliance, and banking regulations.
• Continuous commitment to professional development through relevant courses, workshops, and seminars in credit risk, regulatory updates, and emerging industry practices.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.