Gladys Muchae

Executive & Country Head of Credit Stanbic Uganda @ Standard Bank Group

About

🌟 Dynamic Credit Risk Manager with over 8 years of experience in corporate and investment banking, specializing in managing the full credit life cycle, structuring complex credit transactions, and mitigating risk across diverse sectors including Power, Infrastructure, Oil & Gas, and Telecommunications. 💼 Key Achievements: • 🚀 Spearheaded the Stanbic for Her initiative, onboarding 12,000+ customers and generating $15 million in new assets. • 📊 Successfully reduced non-performing loans by 25% within one year by restructuring underperforming portfolios. • 💡 Led the development of Flex Pay, a digital lending platform that enhanced financial inclusion for women and unbanked populations. • 🏆 Designed a comprehensive credit risk framework, boosting risk evaluation accuracy by 40%. 🔑 Core Skills & Expertise: • 🏦 Credit Risk Management: Proficient in end-to-end credit life cycle management, portfolio risk analysis, and regulatory compliance. • 🤝 Stakeholder Engagement: Skilled in collaborating with internal teams, clients, and regulatory bodies for seamless transaction execution. • 🔍 Risk Mitigation: Proven ability to assess and manage high-risk accounts, ensuring adherence to risk appetites. • 🌐 Cross-Sector Knowledge: In-depth understanding of market dynamics in Power, Infrastructure, and Telecommunications sectors. • 💻 Digital Innovation: Leading digital lending projects aimed at enhancing financial inclusion through tech-based solutions. • 🌱 Financial Inclusion Advocate: Passionate about driving gender equality and expanding access to financial services. 💪 Professional Strengths: • Strong analytical skills in portfolio management and credit structuring. • Adept at leadership & team development, mentoring high-performing credit teams. • Deep expertise in transaction structuring and ensuring profitable risk-reward outcomes. • Committed to driving strategic credit management initiatives that contribute to organizational growth. 🔗 Let us connect if you are interested in innovative credit risk management solutions and fostering financial inclusion through digital strategies!

Country

City

Kenya

Industry

Banking

Skill

Mentorship, Risk Parameter Analyses, Cross-team Collaboration, Credit Applications Approvals, Compliance Management, Credit Proposal Analysis, Credit Evaluation, Risk Assessment, Monitoring Systems Development, Regulatory Compliance, Team Leadership, Team Coaching, Credit Transaction Management, Financial Inclusivity, Credit Risk Management, Leadership, Credit Transaction Approval, Portfolio Risk Management, Analytical Skills, Critical Thinking

Experience

Executive & Country Head of Credit Stanbic Uganda

Standard Bank Group

2017-7 - Present · 9 yrs 3 mos

𝐊𝐞𝐲 𝐂𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧𝐬 ▪ Leading the development of the bank's credit risk appetite and strategy, aligning with organizational goals and improving decision-making. ▪ Mentoring a high-performing credit team, driving business objectives and boosting the bank’s financial performance through targeted coaching. ▪ Coordinating global resources to efficiently manage complex credit transactions. ▪ Establishing a risk-reward framework, ensuring appropriate returns and enhancing portfolio performance. ▪ Executive sponsor of the 'Banking on Women' initiative, launching 'Stanbic for Her,' attracting 12,000 new customers and $15 million in assets. ▪ Leading the 'Flex Pay' digital lending project, enhancing financial inclusion and streamlining banking services for unbanked populations.

Regional Credit Evaluation Manager East Africa, Corporate and Investment Banking Credit

Stanbic Bank Uganda

2012-9 - 2017 · 4 yrs

𝐊𝐞𝐲 𝐂𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧𝐬 ▪ Performed comprehensive evaluations of corporate credit applications across East Africa, ensuring thorough risk assessments and compliance with regulatory standards. ▪ Developed and implemented monitoring systems for credit portfolios, leading to a reduction in non- performing loans through proactive management. ▪ Led the review and approval of cross-border credit transactions, ensuring regional regulatory compliance and strengthening the bank's market position.

Regional Credit Evaluation Manager Central Africa, Corporate and Investment Banking Credit

Standard Bank South Africa

2010-8 - 2012-8 · 2 yrs 1 mo

𝐊𝐞𝐲 𝐂𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧𝐬 ▪ Collaborated with cross-functional teams to develop tailored credit proposals that balanced customer needs with the bank's risk tolerance, enhancing client satisfaction. ▪ Conducted detailed analyses of credit proposals to assess risk versus profitability, ensuring responsible lending practices. ▪ Approved credit applications within delegated authority, maintaining compliance with risk management guidelines.

Credit Evaluation Corporate and Investment Banking

Stanbic Bank

2009-10 - 2010-8 · 11 mos

𝐊𝐞𝐲 𝐂𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧𝐬 ▪ Led a team of six Credit Managers, offering strategic mentorship to foster professional growth and improve team performance. ▪ Evaluated credit proposals against established business criteria, ensuring alignment with responsible lending practices and acceptable counterparty risks. ▪ Recommended suitable facilities for approval to the Credit Risk Management Committee. ▪ Analyzed shifts in key risk parameters within business relationships and industries, assessing their impact on ongoing transactions and advising on necessary adjustments.