Key Responsibilities1. Internal Control Framework & Governance· Develop, implement, and continuously improve the company’s internal control framework.· Establish control policies, procedures, and standard operating guidelines across operational units.· Ensure controls are aligned with regulatory requirements and industry best practices.· Conduct periodic risk assessments and recommend mitigation strategies.2. Operational Compliance Oversight (Commercial, Credit & Collections)· Monitor compliance with internal policies and regulatory requirements across:o Commercial operations (customer onboarding and deposits mobilization)o Credit operations (loan origination, appraisal, approval, disbursement)o Collections & recoveries (repayment tracking, arrears management, restructuring, write-offs)· Review operational transactions to ensure adherence to approved processes and delegated authorities.· Identify control breaches and escalate significant issues to the COO and Executive Management.· Ensure proper documentation and record-keeping standards are maintained.3. Monitoring, Testing & Reporting· Develop and execute annual internal control testing plans.· Conduct regular operational reviews, spot checks, and surprise audits.· Track control deficiencies and ensure timely remediation.· Prepare monthly and quarterly internal control reports for the COO and relevant committees.· Provide insights on emerging operational risks and recommend preventive measures.4. Regulatory & Policy Compliance· Ensure compliance with Bank of Ghana and other regulatory authority requirements.· Monitor implementation of regulatory updates affecting Commercial, Credit, and Collections.· Support regulatory examinations and external audits.· Coordinate responses to regulatory findings and ensure closure of action items.6. Process Improvement & Advisory· Review operational workflows and recommend efficiency improvements without compromising controls.· Provide advisory support to business units on control design and process enhancement.· Support automation and system control enhancements in core banking and collections systems.Key Performance Indicators (KPIs)· Reduction in operational control breaches· Timely closure of audit and regulatory findings· Compliance rate across Commercial, Credit, and Collections functions· Timeliness and quality of control reporting