Chief Credit Risk Officer Job Vacancy in Kumasi, Ghana – Banking & Financial Services

Job Description

Position: Chief Credit Risk Officer

Company: Ecobank Ghana

Location: Kumasi, Ghana

Experience: 10+ years in credit risk management, preferably within banking or financial services

Education: Master’s degree in Finance, Economics, Business Administration or related field

Employment Type: Full-time

Industry: Banking & Financial Services

Department: Risk Management

Salary: SSP 120,000 – 180,000 per annum

Vacancies:1

Company Overview

Ecobank Ghana is a leading pan-African banking institution with a strong footprint across the continent. Established in 1985, Ecobank has grown to become a trusted partner for individuals, SMEs, and large corporations, offering a comprehensive suite of retail, corporate, and investment banking services. The bank’s commitment to financial inclusion, digital innovation, and sustainable growth has earned it numerous awards and a reputation for excellence in the African banking sector. As part of the Ecobank Group, Ecobank Ghana leverages regional expertise and global best practices to deliver tailored financial solutions that drive economic development in Ghana and beyond.

Operating from its headquarters in Accra and with a robust network of branches in major cities including Kumasi, Takoradi, and Tamale, Ecobank Ghana plays a pivotal role in supporting the country’s financial ecosystem. The bank’s strategic focus on digital transformation has led to the launch of cutting‑edge mobile banking platforms, online loan applications, and real‑time payment solutions, positioning it at the forefront of modern banking in Ghana. This dynamic environment creates abundant career opportunities for professionals seeking to make a meaningful impact on the nation’s financial landscape.

Ecobank Ghana is dedicated to fostering a culture of integrity, collaboration, and continuous learning. Employees are encouraged to innovate, take ownership, and contribute to the bank’s mission of “Banking for Africa.” With a strong emphasis on corporate social responsibility, the bank actively supports community development projects, financial literacy programs, and environmental sustainability initiatives, reinforcing its role as a responsible corporate citizen in Ghana.

Job Overview

The Chief Credit Risk Officer (CCRO) will lead Ecobank Ghana’s credit risk function, shaping the strategic direction of credit risk management across all business lines. Reporting directly to the Chief Risk Officer, the CCRO will be responsible for developing, implementing, and overseeing robust credit risk policies, frameworks, and controls that align with regulatory requirements and the bank’s risk appetite. This senior leadership role offers a unique opportunity to influence the bank’s growth trajectory while safeguarding its asset quality and profitability.

As part of the role, the CCRO will collaborate closely with senior executives, business unit heads, and the board of directors to embed a risk‑aware culture throughout the organization. The successful candidate will also represent Ecobank Ghana in industry forums, regulatory discussions, and stakeholder engagements, positioning the bank as a thought leader in credit risk management. For more information about Ecobank Ghana’s commitment to career development, visit https://ghanajobsearch.com/.

Key Responsibilities

• Develop and maintain a comprehensive credit risk framework that supports the bank’s strategic objectives and complies with Basel III and local regulatory standards.
• Lead the credit risk assessment process for new loan proposals, large exposures, and portfolio reviews, ensuring rigorous analysis and appropriate risk grading.
• Monitor credit risk metrics, portfolio performance, and emerging risk trends, providing timely insights and recommendations to senior management.
• Oversee the design and implementation of credit risk models, stress testing, and scenario analysis to anticipate potential losses.
• Collaborate with the Credit Operations, Legal, and Compliance teams to enforce credit policies and resolve risk‑related issues.
• Present credit risk reports and risk‑adjusted performance indicators to the Board Risk Committee and external regulators.
• Mentor and develop a high‑performing credit risk team, fostering a culture of analytical rigor and ethical decision‑making.
• Drive continuous improvement initiatives, leveraging technology and data analytics to enhance credit risk monitoring and reporting.

Required Skills

• Deep expertise in credit risk assessment, underwriting, and portfolio management within the banking sector.
• Strong knowledge of Basel III, IFRS 9, and Ghanaian banking regulations.
• Proven leadership and people‑management abilities, with experience leading cross‑functional teams.
• Advanced analytical skills, proficiency in statistical modeling, and familiarity with credit risk software tools.
• Excellent communication and presentation skills, capable of influencing senior stakeholders.
• Strategic mindset with the ability to balance risk mitigation and business growth.

Education

A Master’s degree in Finance, Economics, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or PRM are highly desirable and demonstrate a commitment to excellence in risk management.

Experience

The ideal candidate will have at least ten years of progressive experience in credit risk management, with a minimum of five years in a senior leadership role within a reputable bank or financial institution. Experience in emerging markets, particularly in West Africa, will be considered an advantage.

Salary

Ecobank Ghana offers a competitive remuneration package ranging from SSP 120,000 to SSP 180,000 per annum, commensurate with experience and qualifications. The package includes performance‑based bonuses, health insurance, pension contributions, and other employee benefits.

Benefits

• Performance‑linked annual bonus
• Comprehensive health and medical insurance
• Retirement savings plan with employer matching
• Paid parental and annual leave
• Employee assistance program and wellness initiatives
• Access to employee stock ownership plans

Training

• Executive leadership development programs
• Continuous professional development courses and certifications
• Access to global banking seminars and industry conferences
• Mentorship and coaching from senior executives

Working Environment

Ecobank Ghana provides a collaborative, inclusive, and technology‑driven workplace where innovation is encouraged. The office in Kumasi features modern workspaces, meeting rooms equipped with video‑conferencing tools, and a supportive environment that values work‑life balance. Employees benefit from flexible working arrangements and a culture that celebrates diversity and professional growth.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their suitability for the role through the online application portal on the Ecobank Ghana careers page. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for a series of interviews, including a technical assessment and a final interview with senior leadership.

Equal Opportunity Statement

Ecobank Ghana is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, disability, or veteran status.

Explore this exciting opportunity and join a leading bank that is shaping the future of finance in Ghana. This role is a prime example of the many Ghana Jobs and Jobs in Ghana that Ecobank offers, reinforcing our dedication to Career Opportunities in Ghana and Employment in Ghana. Apply today and become part of a team that is hiring in Ghana and driving sustainable economic growth.