As a proactive leader, you will manage credit risk, collaborate with cross-functional teams, and develop tailored solutions to meet client needs while enhancing overall credit model performance and compliance.
Key Responsibilities:
- Credit Model Development & Enhancement: Lead the design, development, and continuous improvement of credit models, scorecards, and analytics tools.
- Credit Automation & Decisioning: Drive automation initiatives to streamline the credit evaluation and approval processes. Approve credit applications within authorized mandate levels and implement responsible lending practices to minimize risk.
- Risk Management: Assess and manage credit risk for both new and existing client portfolios. Conduct thorough credit assessments to ensure high-quality asset acquisition.
- Client-Centric Solutions: Understand client needs and provide tailored credit solutions to support their financial goals, while maintaining strong client relationships and ensuring timely delivery of solutions.
- Cross-Functional Collaboration: Work closely with Sales, Credit Committee, Finance, and Operations teams to optimize credit models for performance and compliance.
- Reporting & Analytics: Develop and maintain credit performance and risk reports, providing insights to senior management.
- Compliance & Regulatory Adherence: Ensure credit operations adhere to internal policies and regulatory standards. Stay updated on industry trends and best practices.
- Team Leadership & Development: Mentor junior credit analysts and assist in their development to ensure high-quality credit assessments.
Skills and Experience: - Education: Grade 12 (Matric) certificate.
- Qualifications: NQF Level 7 or higher in a Financial or Banking-related field (essential). CIMA, Credit Management qualification, or equivalent (advantageous).
- Experience: 2-5 years of experience in credit management, preferably within commercial finance. Experience in team leadership and fostering a collaborative, high-performance environment is a plus.
If you meet the above criteria and are ready to take on this exciting opportunity, please submit your CV to
