Baikal Financial Services Ltd is looking for a detail-driven Credit & Compliance Manager with sound judgement to lead our credit decisions and keep the business fully compliant.

KEY RESPONSIBILITIES

Credit Management

• Make sound lending decisions that grow a healthy, profitable loan book.
• Lead credit appraisal and approve applications within delegated limits.
• Develop and enforce credit policy, scoring and approval workflows.
• Verify applicants, guarantors and dealer documents before disbursement.
• Set and review lending limits, pricing and product criteria.
• Train and supervise credit officers for consistent, quality decisions.

Regulatory Compliance

• Keep the business compliant, licensed and audit-ready at all times.
• Ensure compliance with UMRA regulations and licence conditions.
• Oversee KYC and AML/CFT checks and reporting to the FIA.
• Protect customer data in line with the Data Protection and Privacy Act.
• Run compliance reviews and track audit findings to closure.
• Report compliance status and regulatory changes to management and the Board.

If you have experience in credit analysis and regulatory compliance in microfinance or asset finance, sharp judgement and an eye for detail, we would love to hear from you.

• Make sound lending decisions that grow a healthy, profitable loan book.
• Lead credit appraisal and approve applications within delegated limits.
• Develop and enforce credit policy, scoring and approval workflows.
• Verify applicants, guarantors and dealer documents before disbursement.
• Set and review lending limits, pricing and product criteria.
• Train and supervise credit officers for consistent, quality decisions.
• Keep the business compliant, licensed and audit-ready at all times.
• Ensure compliance with UMRA regulations and licence conditions.
• Oversee KYC and AML/CFT checks and reporting to the FIA.
• Protect customer data in line with the Data Protection and Privacy Act.
• Run compliance reviews and track audit findings to closure.
• Report compliance status and regulatory changes to management and the Board.

• credit analysis
• regulatory compliance
• microfinance
• asset finance
• sharp judgement
• eye for detail

• experience in credit analysis and regulatory compliance in microfinance or asset finance
• sharp judgement
• an eye for detail