Job Specification

• Reporting to Financial Services Manager, the incumbent would be responsible for evaluating risk within a sub-section of portfolio. Makes the credit decisions and is held accountable for all decisions made within a specified mandate.

Minimum Requirements

• BCom degree / BAgric
• 2 years related experience in an agricultural retail sector
• Ability to effectively communicate and/or negotiate with good level of proficiency
• Knowledge of credit management processes and controls

Key performance indicators

• The GOLD business imperatives displayed below are to be used as key indicators in sourcing competent candidates for this critical role.

Growth

• Implementation of appropriate application scorecards and affordability models
• Ability to execute in a diverse environment by building a deep understanding of the company’s products and consumers to develop narratives that translate those concepts to broad consumer audiences and customer experiences
• Lowering debt risk through negotiating increased securities

Optimisation

• Execute the lending portfolio and continually optimize risk strategy for acquisition, fraud, and collection
• Utilise statistical and segmentation tools to develop/optimize acquisition risk strategies for loan products

Leveraging Culture & Diversity

• Ability to lead a high impact team and collaborate with different stakeholders
• Ensures a sound credit risk management culture through awareness amongst the internal and external stakeholders

Digital Transformation

• Driving the automation/optimization of credit management processes and control platforms
• Develop consumer-facing content across a variety of segments to publicise the company’s products & brands

Key leadership attributes                               

The incumbent would need to have the ability to progress and add continuous incremental value – having impact!

• Dealing with complexity
• Sound pragmatic judgement
• Self – awareness
• Achievement orientation