Job Responsibilities
The successful candidate will be responsible for:
- Leading, managing and coordinating the provision of enterprise finance services in the organisation, including long and short-term loans, risk capital, micro-lending, and third-party funding to promote access to finance by businesses.
- Designing responsive enterprise finance products and providing related support services.
- Managing processes and systems relating to loan applications, processing, approvals, feedback management, pay-outs, collections, monitoring, and reporting.
- Designing and formulating governance and administrative systems required for effective rendering of enterprise finance services.
- Overseeing client contracting and management of securities relating to approved loans.
- Managing the performance of the loans book, particularly collection and impairment rates.
Minimum Requirements
- Degree in Commerce (Business Management / Economics / Finance / Development or Entrepreneurship studies).
- Minimum of 10 years working experience, with at least 5 years in enterprise finance, SMME support or economic development at a middle management or senior consultancy level.
Key Performance Areas
Strategic Planning and Governance
- Provide input to the organisational strategy and Corporate Plan.
- Review organisational activities and recommend corrective actions as necessary.
- Develop unit operational plans aligned to corporate objectives.
- Enhance and implement treasury regulation systems, processes, procedures, tools, and control systems.
- Ensure accurate preparation and timely submission of reports to stakeholders.
- Implement controls to minimize potential risks.
- Manage internal and external audits.
- Participate in management forums, contributing expertise for sound decision-making.
- Facilitate departmental communication through appropriate structures.
- Develop and manage relationships with internal and external stakeholders.
Management and Oversight of Funding Solutions
- Design and package funding solutions for businesses/SMMEs.
- Manage the provision of funding solutions to improve business sustainability.
- Develop loan security regimes and due diligence frameworks.
- Ensure safeguarding of all security documents for the portfolio.
Development of Policies, Procedures, and Systems
- Develop funding frameworks and ensure compliance with relevant legislation.
- Develop Standard Operating Procedures for all products.
- Oversee productivity activities, including conducting feasibility studies and setting business goals.
Portfolio Management and Aftercare
- Oversee loan portfolio monitoring and aftercare services.
- Manage workouts and restructuring of funded businesses.
- Establish partnerships to increase access to financial services.
- Ensure provision of monthly reports and facilitate corrective measures as necessary.
Budget Management
- Manage capital and operational budgets of the Unit.
- Evaluate unit performance against the approved budget and address deviations.
- Prepare and present reports on expenditure and fund availability.
People Management
- Assign responsibilities and implement task authorisation protocols.
- Implement staff development and training initiatives.
- Manage performance in accordance with the organisation's policies.
- Identify training needs and implement plans to address them.
Customer and Stakeholder Management
- Conduct stakeholder mapping and relationship-building sessions.
- Build and lead an effective team toward achieving organisational goals.
- Provide advice and support to the CEO, Board, and Senior Management team on stakeholder engagement.
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