About Sycamore Credit Limited

Sycamore Credit Limited is a fast-growing microfinance institution committed to delivering innovative financial solutions that promote financial inclusion for SMEs, agribusinesses, women, and youth across Malawi.Local market insights

As part of its strategic transformation, the institution is strengthening its Credit, Risk, and Compliance functions to enhance portfolio quality, ensure regulatory compliance, and support sustainable growth. This role combines Credit Leadership with Enterprise Risk Management and Regulatory Compliance oversight to ensure institutional sustainability and resilience.

Strategic Mandate of the Role

The Credit, Enterprise Risk and Compliance Manager will lead the institutional mandate of:

“Protecting the loan book while enabling sustainable growth, while ensuring enterprise-wide risk management, compliance, and institutional resilience.”

This includes balancing:

• Portfolio growth (disbursements)
• Portfolio quality (repayment performance)
• Operational discipline (staff accountability & compliance)
• Enterprise-wide risk exposure and regulatory compliance

Position Overview

The Credit, Enterprise Risk and Compliance Manager will provide end-to-end leadership of the credit, risk, and compliance functions, ensuring strong underwriting discipline, real-time portfolio monitoring, structured recovery systems, and robust enterprise risk management.

The role will oversee:

• Credit Risk Management across the full loan lifecycle
• Enterprise Risk Management (ERM)
• Regulatory Compliance and Internal Controls

This is a strategic leadership role responsible for embedding a data-driven, risk-aware, and performance-based culture across the institution.

Key Responsibilities

• Credit Risk Strategy & Governance
• Credit Underwriting & Risk Assessment
• Portfolio Monitoring & Analytics
• Early Warning Systems (EWS)
• Collections, Recoveries & Rehabilitation
• Performance Management & Accountability
• Enterprise Risk, Compliance & Internal Controls
• Enterprise Risk Management (ERM)
• Regulatory Compliance & AML
• Operational Risk & Business Continuity
• Leadership & Team Management
• Strategic Advisory to Management
• Board & Regulatory Reporting

Minimum Qualifications & Experience

• Bachelor’s Degree in Finance, Banking, Economics, Business Administration or related field
• Additional qualifications or certifications in Risk Management, Enterprise Risk Management, or Compliance (FRM, CAMS, ICA) will be an added advantage
• Minimum 5–8 years’ experience in credit risk, collections, or risk management
• Proven experience in microfinance or banking sector

Key Competencies

• Strong analytical and risk assessment skills
• Strategic thinking and decision-making ability
• Leadership and team management capability
• High level of integrity and professional judgment
• Strong reporting and presentation skills
• Data-driven mindset
• Strong understanding of regulatory compliance and AML frameworks

Why Join Us?

• Lead a high-impact transformation in credit, risk, and compliance
• Shape the institution’s portfolio quality and sustainability
• Be part of a growing, innovation-driven financial institution
• Influence strategic decision-making at executive level

• Credit Risk Strategy & Governance
• Credit Underwriting & Risk Assessment
• Portfolio Monitoring & Analytics
• Early Warning Systems (EWS)
• Collections, Recoveries & Rehabilitation
• Performance Management & Accountability
• Enterprise Risk, Compliance & Internal Controls
• Enterprise Risk Management (ERM)
• Regulatory Compliance & AML
• Operational Risk & Business Continuity
• Leadership & Team Management
• Strategic Advisory to Management
• Board & Regulatory Reporting

• Strong analytical and risk assessment skills
• Strategic thinking and decision-making ability
• Leadership and team management capability
• High level of integrity and professional judgment
• Strong reporting and presentation skills
• Data-driven mindset
• Strong understanding of regulatory compliance and AML frameworks

• Bachelor’s Degree in Finance, Banking, Economics, Business Administration or related field
• Additional qualifications or certifications in Risk Management, Enterprise Risk Management, or Compliance (FRM, CAMS, ICA) will be an added advantage