About the Unit

• Based in Sandton, Jhb, we are seeking an experienced, knowledgeable, and forward-thinking Credit Risk Manager to lead credit risk management and working capital optimization across our African operations. This is a strategic leadership role responsible for improving cash flow efficiency across all markets and ensuring disciplined credit risk practices that support business growth, resilience, and innovation. The ideal candidate will have a minimum of 3–5 years of experience in the agricultural sector, particularly in fertilizer or input financing, and a strong understanding of credit dynamics at farmer level. This role requires full ownership of the credit and working capital strategy, active participation in M&A projects, leadership in digital risk innovation, and responsibility for regional due diligence and bank partnerships.

Responsibilities

• Assess and evaluate the creditworthiness of clients and borrowers within the African market, ensuring adherence to credit risk policies and guidelines.
• Develop and implement effective credit risk management strategies and frameworks, aligning with the company’s objectives and regulatory requirements.
• Conduct comprehensive credit risk analysis and due diligence on potential borrowers, utilizing financial models and industry-specific risk assessment tools.
• Monitor and continuously assess credit risk exposure across the portfolio, analysing trends and identifying potential risks or areas for improvement.
• Collaborate with various internal teams, including underwriters, finance, and legal, to streamline credit risk processes and ensure consistent decision-making.

Responsibilities Continued

• Review and analyse credit documentation, loan agreements, and collateral requirements, ensuring compliance with internal policies and external regulatory guidelines.
• Establish and maintain effective relationships with external stakeholders, including credit rating agencies, banks, regulatory bodies, and other financial institutions.
• Provide guidance and training to teams involved in credit risk activities, ensuring a thorough understanding of credit risk management principles and best practices.
• Monitor and provide regular reports on credit risk metrics, key performance indicators, and portfolio trends to senior management and relevant stakeholders.

Qualifications and Experience

• Bachelor’s degree in finance, Economics, Business Administration, or a related field. Advanced degree or certifications (e.g., FRM, CFA) are preferred.
• Proven experience in credit risk management within the African market, with a minimum of 3-5 years in a similar role.
• In-depth knowledge of credit risk management principles, methodologies, and regulatory frameworks within the African context.
• Strong analytical and quantitative skills, with the ability to assess complex financial data and make sound credit risk decisions.
• Familiarity with risk assessment tools, credit scoring models, and underwriting practices.
• Excellent understanding of industry-specific credit risk factors and market dynamics in the African market.
• Proficiency in using financial analysis software (DebiTEX), risk management systems, and MS Office applications.