Head of Credit and Risk

2 weeks ago

Johannesburg, South Africa CA Global Headhunters International Full time

Reference No. SR-HC&R-001

**Job Description:
Our client is seeking to employ a Head of Credit & Risk to be based in Johannesburg, South Africa. The role involves comprehensive oversight and accountability for Group Credit & Risk Policies. This encompasses activities such as drafting, recommending, amending, updating, and implementing changes to credit, risk, and collections strategies to align with evolving business needs while balancing risk perceptions. Additionally, the responsibilities include monitoring legislative compliance across all operational countries, supporting senior management and boards of directors to ensure adherence to applicable laws, and minimizing collection risks through targeted interventions. The incumbent is tasked with staying informed about regional, international, and market segment risks that could impact payment and collections performance and taking preventive actions. The position also involves conducting periodic reviews of historical collections data, making recommendations for policy adjustments, and actively contributing to the ongoing development and enhancement of the Group's collections platforms and systems. Furthermore, the role requires the development, maintenance, and ownership of risk models, with a focus on motivating and influencing collections teams at regional and country levels to achieve specified performance levels, thereby acting as a crucial link between senior and local management.

**Responsibilities:
- Lead and guide central and regional collection teams to achieve and maintain a collections rate as budgeted.
- Provide appropriate budget inputs to setting of these collections rates and targets.
- Ensure the correct collections strategies are defined and implemented across all countries and silos to maintain loan book impairments within budgeted rates.
- Be the custodian of all policies and procedures relating to credit granting, collections and general business conduct to ensure compliance to the legislation and corporate governance.
- Maintain responsibility for the recruitment, retention and performance management of all collections personnel across the Group and ensure the collections team are adequately staffed and incentivised to deliver the expected results.
- Source, contract and supervise all collections, trace and legal partners to ensure efficient external collections.
- Ensure the availability of timeous, accurate and correctly presented information to support business decision making.
- Maintain responsibility for the following Divisions:

- Payment Solutions.
- Later stage and off payroll collections.
- Early-stage collections from source.
- External Debt Collectors (“EDCs”) and Legal Associates.
- Assist with the design and development of the collections and reporting utilities of the Group’s debtors’ management system, aimed at extracting maximum value from same. This will include developing and maintaining scoring models for different products in each country, and continually analysing the results of same in order to optimize outcomes.
- Periodically review the credit policies and procedures at both a group and country level and propose necessary amendments to ensure that they remain relevant and provide the Group’s companies with the optimal balance between risk and business volumes.

**Requirements**:Qualification and Skills**
- A relevant tertiary qualification (such as a B Com or B Com Law Degree) is highly preferred.
- Previous experience within Financial Services is essential.
- Previous experience within the Microfinance industry will be advantageous.
- Extensive experience in developing workflows and scoring models is essential.
- Extensive experience in data analytics and risk modelling is essential.
- A working understanding of Artificial Intelligence (“AI”) is essential.
- A strong command of English, both written and verbal, is a requirement of the job.

**Shearidan Rabsch**

**Recruitment Manager - Banking and Finance**

**CA Finance

  • Head of Credit, Risk and Collections

    4 weeks ago

    Johannesburg, South Africa People Source Full time

    Head of Credit, Risk & Collections - Retail Banking group in Sandton. Superb opportunity for a dynamic B Com with 10 to 12 years of Collections, Credit and Risk exposure within Retail Banking with strong legal and Compliance exposure, developing workflows and scoring models, data analytics, AI and risk modelling. As the Head of an established collections...

  • Credit Risk analyst

    2 weeks ago

    Johannesburg, Gauteng, South Africa Credit Link Placements Full time

    The overall purpose of the job is to assess and mitigate risk by carrying out a comprehensive and quality credit risk function by analyzing the client's business, financial statements, and management accounts in order to provide a recommendation on new accounts and existing accounts annually. · Record new account information in the new accounts register...

  • Credit Risk analyst

    4 weeks ago

    Johannesburg, South Africa Credit Link Placements Full time

    The overall purpose of the job is to assess and mitigate risk by carrying out a comprehensive and quality credit risk function by analyzing the client’s business, financial statements, and management accounts in order to provide a recommendation on new accounts and existing accounts annually. · Record new account information in the new accounts register...

  • Head of Credit Risk

    5 days ago

    City of Johannesburg, Gauteng, South Africa CA Financial Appointments Full time

    Currently seeking an experienced Head of Credit Risk with strong collections and technical systems exposure to join our client operating in the financial services space across Africa. Reporting to the CEO, the successful individual will be responsible for all policies and procedures related to the credit, risk and collections functions of the group across...

  • Head of Credit

    3 weeks ago

    Johannesburg, South Africa CA Global Headhunters Full time

    Head of Credit & Risk (Drafting / Policies / Collections) - Johannesburg North, South Africa **Reference Number**: NKBF-HCAR-01 Our client is looking for someone to take overall control and responsibility for Group Credit & Risk Policies. This will include the likes of drafting/recommending/amending/updating/implementing changes required to the Group...

  • Head of Credit and Risk

    2 weeks ago

    Johannesburg, Gauteng, South Africa CA Global Headhunters International Full time

    Reference No. SR-HC&R-001**Job Description: Our client is seeking to employ a Head of Credit & Risk to be based in Johannesburg, South Africa. The role involves comprehensive oversight and accountability for Group Credit & Risk Policies. This encompasses activities such as drafting, recommending, amending, updating, and implementing changes to credit, risk,...

  • Head of Credit and Risk

    2 weeks ago

    Johannesburg, Gauteng, South Africa CA Global Headhunters Full time

    Our client is seeking to employ a Head of Credit & Risk to be based in Johannesburg, South Africa. The role involves comprehensive oversight and accountability for Group Credit & Risk Policies. This encompasses activities such as drafting, recommending, amending, updating, and implementing changes to credit, risk, and collections strategies to align with...

  • Head of Collections, Credit

    3 weeks ago

    Johannesburg, South Africa People Source Full time

    Head of Collections, Credit & Risk - Retail Banking group in Sandton. Superb opportunity for a dynamic B Com or LLB with 10 to 12 years of Collections, Credit and Risk exposure within Retail Banking with strong legal and Compliance exposure. Exposure to AI as well as developing workflows and scoring models, data analytics and risk modelling is ideal. As the...

  • Head: Credit Risk Reporting

    3 weeks ago

    Johannesburg, South Africa Nedbank Full time

    **Requisition Details & Talent Acquisition Contact** - REQ 127627- Tshego Semenya**Cluster** - Group Risk**Career Stream** - Credit Management **Leadership Pipeline** - Manage Managers **Position** - Head: Credit Risk Reporting**Job Purpose** - To report on key aspects of the credit portfolio across business units and lending products on a group level to...

  • Head of Credit

    3 weeks ago

    Johannesburg, South Africa CA Global Headhunters International Full time

    Reference No. NKBF-HCAR-01 **Head of Credit & Risk (Drafting / Policies / Collections) - Johannesburg North, South Africa** **Reference Number: NKBF-HCAR-01** **Job Description: Our client is looking for someone to take overall control and responsibility for Group Credit & Risk Policies. This will include the likes of...

  • Head of Credit Research

    2 weeks ago

    Johannesburg, Gauteng, South Africa FirstRand Full time

    About us, purpose, experience and qualificationsabout us:- getting those that are not saving to save,- getting those who are saving to save more effectively, and- helping to fund Africapurpose: Ashburton Investments is a new generation investment manager that offers investors access to more sources of return and more ways to manage risk. In the institutional...

  • Analyst, Credit Risk

    2 weeks ago

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

    Business Segment: Business & Commercial Banking Location: ZA, GP, Johannesburg, Baker Street 30 To provide extensive monitoring and MI, prepare Credit Risk data and reports; including MI to the business and reports to Committees and at Group level. To support delivery of projects involving credit risk at a local and wider Group level. To provide...

  • Credit Head

    3 weeks ago

    Johannesburg, South Africa FirstRand Full time

    Job Description Hello Future Credit Head! Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. As part of our talent team at FNB Commercial Credit, you will be surrounded by unique talents, diverse minds, and an adaptable environment...

  • Regional Manager- Retail Credit Risk

    2 weeks ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job SummaryTo lead and...

  • Head, Credit, Commercial

    2 weeks ago

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

    Business Segment: Business & Commercial Banking Location: ZA, undefined, Johannesburg, Baker Street 30 To lead, develop and manage the credit evaluation team in support of the Commercial Segment's ("the Segments") asset growth targets. To comprehensively manage the credit risk of the lending portfolio of the Commercial Segment for the Business Centres,...

  • Head of Credit Research Sandton

    4 weeks ago

    Johannesburg, South Africa The Recruitment Council Full time

    Our client is looking for an individual to join their company as the Head of Credit Research. Our client provides investors access to a range of specialist funds and investment opportunities in global markets. **Responsibilities**: Management: - Propose and oversee credit research strategy and framework for the company’s business - Management of all...

  • Head of Credit and Risk

    2 months ago

    Johannesburg, South Africa CA Global Headhunters Full time

    Our client is seeking to employ a Head of Credit & Risk to be based in Johannesburg, South Africa. The role involves comprehensive oversight and accountability for Group Credit & Risk Policies. This encompasses activities such as drafting, recommending, amending, updating, and implementing changes to credit, risk, and collections strategies to align with...

  • Credit Head

    2 weeks ago

    Johannesburg, South Africa FirstRand Full time

    Job Description To execute and manage the Credit Risk strategy with a view of maximising the return on capital employed whilst maintaining an acceptable level of risk in terms of the Company's credit ethics Hello Future Credit Head Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us...

  • Consumer Head of Credit

    2 weeks ago

    Johannesburg, South Africa Job Crystal Full time

    -South Africa, Gauteng *** - R125000 - R141000 Per Month **Area**: South Africa, Gauteng **Sector**: All Posted: 30 April 2024 **Job Details**: A digital bank with a strong entrepreneurial identity and a high-performance culture is looking for a Consumer Head of Credit, who will be accountable for all aspects of credit risk for the Consumer Lending...

  • Head Credit Jhb

    2 weeks ago

    Johannesburg, South Africa Job Crystal Full time

    A digital bank with a strong entrepreneurial identity and a high-performance culture is looking for a Consumer Head of Credit, who will be accountable for all aspects of credit risk for the Consumer Lending portfolio of the company. The position includes managing and defining the risk appetite, ensuring that credit processes and solutions are effective,...