Job Description Our client in the Commercial Asset Finance Industry is looking for a Credit manager.
Key responsibilities
• Credit Model Development & Enhancement:
- Lead the design, development, and continuous improvement of credit models, scorecards, and analytics tools
- Analyse and integrate data to refine credit decisioning systems, ensuring they align with industry best practices and regulatory standards.
• Credit Automation & Decisioning:
- Drive automation initiatives to streamline credit evaluation and approval processes.
- Make credit recommendations and approve credit applications within authorized mandate levels, ensuring the placement of quality assets.
- Implement responsible lending practices to minimize risk and ensure compliance.
• Risk Management:
- Assess and manage credit risk across new and existing client portfolios.
- Conduct thorough credit assessments to ensure the acquisition of high-quality assets while mitigating potential risks.
- Monitor credit performance and provide insights to adjust risk parameters as necessary.
• Client-Centric Solutions:
- Understand and anticipate client needs, providing tailored credit solutions to support their financial goals.
- Maintain strong relationships with clients, offering proactive and innovative solutions within agreed turnaround times.
• Cross-Functional Collaboration:
- Work closely with Sales, Credit Committee, Finance, and Operations teams to optimize credit models for better performance and compliance.
- Coordinate with cross-functional teams to address any challenges in credit assessment, approval, or risk management.
• Reporting & Analytics:
- Develop and maintain reports to track credit performance, model accuracy, and risk metrics.
- Present insights and recommendations to senior management and stakeholders, supporting strategic decision-making.
• Compliance & Regulatory Adherence:
- Ensure all credit operations comply with internal policies and external regulations.
- Stay updated on industry trends, regulatory changes, and emerging best practices to refine credit strategies continuously.
• Team Leadership & Development:
- Mentor and guide junior credit analysts, fostering a culture of continuous improvement and knowledge sharing.
- Provide training and support to ensure the team is equipped with the skills to perform high-quality credit assessments.
KINDLY TAKE NOTE THAT THE RECRUITMENT AND SELECTION
PROCESS WILL INVOLVE
PSYCHOMETRIC ASSESSMENTS .
Requirements
Competencies We Look For:
• Strategic thinker with strong analytical and problem-solving skills
• Strong leadership and team-building capabilities
• Excellent communication skills, with the ability to present complex data insights to non- technical stakeholders.
• High attention to detail, ensuring accuracy and compliance in all modelling activities.
• Passion for innovation and staying ahead of emerging trends in data science and credit automation.
• A self-starter, able to take initiative and drive models from concept to implementation while ensuring usability across teams.
Skills And Experience We Look For:
• Grade 12
• NQF Level 7 or Higher in a Financial or Banking related field essential.
• CIMA, Credit management degree or equivalent will be advantageous.
• 2-5 years’ experience in a credit management environment
• Experience in commercial finance.
• Experience managing teams and fostering a collaborative, high-performance environment.
