Job Description

• To manage a credit team, granting of credit aligned to the credit strategy and policy by monitoring standards and manage accounts for credit risk.

The Ideal candidate must have the following exposure:

• Authorize complex, high risk and highly profitable credit applications by assessing high credit risk and potential high profitable applications as part of Credit Panel.
• Comply with governance in terms of legislative and audit requirements.
• Identify opportunities to increase profit of existing customers by providing innovative campaigns while maintaining risk within suitable boundaries.
• Applying credit roadmap and debt restructuring principles including the proper application of credit principles and a proper understanding of liquidation and restructuring processes.
• Execution of the Credit portfolio growth strategy in line with predetermined growth targets, which are determined on an annual basis through conducting competitor analysis and innovating new value propositions by developing sales initiatives which align with the various segment strategies.
• Implement and manage the early detection tools in Fraud for predicting credit risk, fraud, attrition and credit behaviour profiles.
• Improve business decisions by providing accurate and reliable business intelligence (information) together with analyzing trends and data.
• Establish, align and manage target and budget goals whilst ensuring effective control of costs for a range of functional areas to increase cost efficiency.
• Drive an Increase in average balance of assets as defined in the Financial Performance Report of the business.
• Reduce Bad debts as a percentage of performing loans utilisation based on effective lending principals applied during approval.
• Achieve year on year Total Revenue Growth for the Business.
• Develop and implement differentiated Credit service models for the group and segments by maintaining the credit provisioning Models in the Consumer Environment.
• Identify opportunities to expand our customer base with creditworthy and potentially profitable customers.
• Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders.
• Plan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation, achieve efficiencies and increase competencies.
• Manage own development to increase own competencies.

You will be an ideal candidate if you meet the following requirements:

• A minimum of 5-8 years of experience in a related field, with at least 3- 5 years in a leadership position.
• A relevant NQF Level 7 qualification such as a B Comm Accounting or Finance as the minimum qualification.
• Preferred qualification is a B Comm with Honours in Accounting or Finance
• Are not an unrehabilitated insolvent

End Date: October 21, 2025