Head, Regional Credit

4 weeks ago


Johannesburg, Gauteng, South Africa Standard Bank of South Africa Limited Full time

Job Title: Senior Credit Risk Manager

Business Segment: Business & Commercial Banking

Location: Johannesburg, South Africa

To lead and develop credit evaluation and risk management teams that support business growth targets across various segments, including Business, Agri, Entrepreneur, and Enterprise.

This role involves comprehensive management of lending portfolio credit risk, encompassing originations, credit risk assessment, sanctions, account maintenance, and distressed accounts, aligned with our credit policies and risk appetite.

The successful candidate will champion strategies and processes related to their designated segment, supporting business partners and ecosystem methodology in meeting client needs.

Key Responsibilities:
  • Lead and develop a team responsible for credit risk management and evaluation.
  • Manage lending portfolio credit risk, ensuring alignment with our credit policies and risk appetite.
  • Develop and implement strategies to support business growth and client needs.
  • Champion processes related to their designated segment.

Requirements:Qualifications:

  • Type of Qualification: First Degree
  • Field of Study: Business/Legal or Credit degree or similar qualification
Experience:
  • Credit Risk – 10+ years of experience, preferably across Business, Entrepreneur, Lifestyle, and Personal segments.
  • Deep understanding of credit principles and financial statements, particularly as relates to Business Lending.
  • Familiarity with collateral, credit risk, and collections processes.
  • Previous experience in managing a team responsible for lending portfolio account management from a risk/credit perspective.
  • Previous people management experience.
Skills:
  • Developing relationships
  • Leading people
  • Empowering individuals
  • Making decisions
  • Resolving conflict
  • Interpretation and execution
  • Legal principles – Collateral and recovery processes
  • Credit granting
  • Credit process


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