CAREERS

DEPARTMENT: RISK DEPARTMENT

REPORTS TO: RISK MANAGER

JOB PURPOSE

Develop and manage a robust Credit Risk management framework to identify, measure, coordinate, and manage the Bank's credit risk and ensure compliance with the regulatory requirements.

Responsibilities

1. Review of individual credit risk in accordance with the established Credit Rating System and Credit quality assessment.
2. Ensure that classified loans are reported and properly administered in the system of the Bank.
3. Determine the capital requirements and provisions for each of the Bank's products and activities to ensure sufficient provision on the book at all times.
4. Set up procedures and guidelines for the establishment of credit committees.
5. Draft and develop a Credit Risk Management policy for the Bank and review/update it occasionally to comply with local/international banking laws and regulations.
6. Assess the creditworthiness of borrowers and counterparties, establish credit limits and risk rating systems, and monitor loan portfolios to identify and address potential credit issues.
7. Develop strong relationships with business partners to challenge risks and processes, including escalating issues for remediation, as needed.
8. Champion the bank's ESG risk management process.
9. Review provisioning figures before submission to Senior management to ensure alignment with regulatory requirements.
10. Participate in implementing and maintaining credit risk-related policies, guidelines, and methodologies to strengthen the credit risk management framework of the bank.
11. Assess credit risks for submission to the Senior Management and implement appropriate limits and measures to mitigate risks.
12. support businesses with credit risk-related/capital adequacy issues to meet stakeholders’ expectations.
13. Report to the Management Credit Committee on pertinent risk characteristics and trends for decision-making purposes
14. Review and ensure timely submission of Risk reporting to regulators per regulatory requirements and to other units for follow-up and remedial actions

15. Any other duty as shall be assigned to you from time to time.
Person Specification (Education, training, skills and experience)
Qualifications
• Bachelor’s Degree in Finance, Business, or a related field

Skills & Experience
• Minimum of 4 years’ experience in Risk Management, Credit, Audit, internal control, or in a similar environment
• Experience in monitoring documentation, portfolios & exposure limits of the bank.
• Knowledge of the regulatory recovery and collection process
• Knowledge of credit risk management in a financial institution.
• A strong understanding of banking processes and operations
• Ability to influence a culture of risk awareness in a bank..

Business Behaviours
• Proficiency in drafting professional correspondence, reports, and proposals.
• Excellent communication and presentation skills.
• Strategic and dynamic thinking.
• Leadership and Change Management skills
• Stakeholder and Relationship Management skills
• High ethical standards and integrity.
• neutrality and independence of judgment
• Problem-solving abilities.
• Proficiency in English Language and any other local language preferably Luganda particularly for explanatory purposes to Bank customers who do not understand the English Language.

HOW TO APPLY

If you meet the above requirements, please submit your application online by sending a cover letter, a detailed CV, and copies of relevant academic and professional certificates to the following email address: recruitment@trobank.com

 Application Deadline: 11^th March, 2026

NOTE: Tropical Bank Ltd is an equal opportunity employer. All applicants wil be considered for employment without attention to race, color, religion, sex, national origin or disability status Recruitment is strictly based on ment Offering, soliciting, or accepting any form of undue advantage during the recruitment process will result in automatic disqualification.

In accordance with the Uganda Data Protection and Privacy Act, 2019, Tropical Bank Ltd is committed to protecting the privacy and confidentiality of personal data collected during the recruitment process. By submitting your application, you consent to the collection, use, and processing of your personal information solely for recruitment and employment purposes, and in compliance with applicable date protection laws. Your information will not be shared with unauthorized third parties and will be retained only as long as necessary for the stated purposes.

Only shortlisted candidates will be contacted.

DEPARTMENT: RISK DEPARTMENT

REPORTS TO: SENIOR OPERATIONAL RISK OFFICER

Main Purpose of the Job
Support the Senior Operational risk officer in developing and managing a robust Operational Risk management framework to Identify, measure, coordinate, and manage the Bank's Operational risk and ensure compliance with the regulatory requirements.
Responsibilities

1. Support in developing and implementing the operational risk management and incident reporting frameworks within the Bank, as per approved Policy and regulatory requirements, and contribute to identifying, assessing, monitoring, and controlling operational risk.
2. Build operational risk cartographies, ensure that the business owns them, and promote risk culture within the bank.
3. Gather, Identify, and review relevant operational risk data to be shared with other risk functions to facilitate monitoring operational risk within the Bank.
4. Monitor and manage exposure to market risks such as interest rate, foreign exchange, and investment risks.
5. Develop and implement risk mitigation strategies and action plans to reduce or manage identified operational risks.
6. Communicate the bank's operational risk management policies and procedures to all employees
7. Monitor and track key risk indicators, prepare regular reports, and report to the Senior Operational Risk Officer
8. Attend incidents timely as per approved Policy while respecting regulatory requirements to contribute to identifying, assessing, monitoring, and controlling operational risk.
9. Keep pace with changes in the industry and developments in best practices in operational risk management.
10. Develop and maintain an incident management system to ensure that all incidents are reported to the Risk Management Department within 24 hours of the incident occurring or receiving the incident reports.
11. Lead the bank's response to risk events and crises, ensuring a coordinated and effective response.
Conduct post-event analysis to identify lessons learned and improve future risk management practices.
12. Comply with AML/CFT/CPF policies and procedures, non - compliance of which shall be addressed as per the bank disciplinary processes.
13. Any other duty as shall be assigned to you from time to time.

Person Specification (Education, training, skills and experience)
Qualifications
• Bachelor’s Degree in Finance, Business, or a related field

Experience
• Minimum of 2 years of banking experience

Competencies & Knowledge
• A strong understanding of banking processes and operations
• Ability to influence a culture of risk awareness in a bank.
• Ability to lead and exercise authority through expertise and experience.
• Excellent communication and presentation skills.
• Strategic and dynamic thinking.
• Stakeholder and Relationship Management skills
• High ethical standards and integrity.
• Neutrality and independence of judgment
• Team player
• Proficiency in English Language and any other local language preferably Luganda particularly for explanatory purposes to Bank customers who do not understand the English Language

HOW TO APPLY

If you meet the above requirements, please submit your application online by sending a cover letter, a detailed CV, and copies of relevant academic and professional certificates to the following email address: recruitment@trobank.com

 Application Deadline: 11^th March, 2026

 NOTE: Tropical Bank Ltd is an equal opportunity employer. All applicants wil be considered for employment without attention to race, color, religion, sex, national origin or disability status Recruitment is strictly based on ment Offering, soliciting, or accepting any form of undue advantage during the recruitment process will result in automatic disqualification.

In accordance with the Uganda Data Protection and Privacy Act, 2019, Tropical Bank Ltd is committed to protecting the privacy and confidentiality of personal data collected during the recruitment process. By submitting your application, you consent to the collection, use, and processing of your personal information solely for recruitment and employment purposes, and in compliance with applicable date protection laws. Your information will not be shared with unauthorized third parties and will be retained only as long as necessary for the stated purposes.

Only shortlisted candidates will be contacted.