Job Responsibilities: Lead and enhance the companys overall credit risk management function. Review, develop, and improve credit policies, underwriting guidelines, approval criteria, and risk grading models. Monitor portfolio performance, delinquency trends, approval quality, non-performing loan (NPL) indicators, and collection effectiveness. Collaborate closely with senior management to balance business growth, profitability, and risk management objectives. Provide strategic recommendations to improve credit approval quality, customer segmentation, risk-based pricing, and portfolio sustainability. Lead, mentor, and develop teams responsible for credit assessment, risk analysis, data analytics, and portfolio monitoring. Identify gaps and weaknesses in existing credit processes and recommend practical and effective improvements. Support management in developing comprehensive risk reports, dashboards, and key risk indicators to facilitate informed decision-making. Ensure credit practices...