Credit Risk Manager

1 month ago

Durban, South Africa Humankind Group Full time
Key Responsibilities:
  1. Credit Risk Management:
    • Assess, monitor, and manage credit risk exposures within the business banking and commercial portfolios, focusing on vehicle asset finance.
    • Implement risk management policies, procedures, and controls to maintain sound credit risk profiles.
    • Provide second-line defense by reviewing and challenging risk assessments, credit models, and proposals developed by first-line teams.
  2. End-to-End Credit Process:
    • Oversee the entire credit lifecycle, from initial assessment and underwriting to monitoring, reporting, and collections.
    • Develop and maintain comprehensive credit risk frameworks that support end-to-end process management, ensuring alignment with business objectives and regulatory requirements.
    • Collaborate with cross-functional teams to streamline credit workflows and enhance efficiencies across the credit cycle.
  3. Vehicle Asset Finance Management:
    • Develop specialized risk models and assessment criteria specific to vehicle asset finance, ensuring accurate risk quantification and control.
    • Monitor the performance of vehicle finance portfolios, identifying emerging risks and potential areas of concern.
    • Engage in the development of innovative credit products tailored to asset finance, while maintaining a robust risk assessment process.
  4. Second Line of Defense and Compliance:
    • Act as a subject matter expert in credit risk, providing oversight, challenge, and guidance to the first line of defense in credit risk-related matters.
    • Ensure compliance with internal policies and external regulations, focusing on the commercial and business banking environment.
    • Partner with regulatory and compliance teams to stay informed on changing regulations and ensure that the risk management framework meets all standards.
  5. Reporting and Analysis:
    • Prepare and present risk reports to senior management, highlighting key risk metrics, portfolio performance, and areas requiring intervention.
    • Conduct regular reviews and risk assessments, updating risk models as needed to reflect the latest market and business conditions.
    • Leverage data analytics to identify trends, improve risk assessment models, and provide actionable insights into portfolio performance.
Key Requirements:
  • Education & Qualifications:
    • Bachelors degree in Finance, Business, Risk Management, or related field. An advanced degree or relevant professional certification (e.g., CFA, FRM) is advantageous.
  • Experience:
    • 9- + years of experience in credit risk management, specifically within business banking and commercial credit.
    • Demonstrated experience in vehicle asset finance risk management, including exposure to asset-backed lending and credit models.
    • Strong background in second-line defense roles, with a track record of supporting risk governance and compliance functions.
  • Technical Skills:
    • Proficiency in risk management software and financial modeling tools.
    • Solid understanding of regulatory frameworks and compliance standards within commercial banking.
    • Advanced analytical skills, with the ability to interpret complex data and derive actionable insights.
  • Soft Skills:
    • Excellent communication and stakeholder management skills, with the ability to influence and collaborate across teams.
    • Strong problem-solving and decision-making abilities, with a proactive approach to managing emerging risks.
    • High attention to detail, organizational skills, and the ability to manage multiple priorities in a dynamic environment.

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