Credit Risk Manager #fulllifecycle #handson

7 months ago

Johannesburg, South Africa Recruiter Ruth | Performability Recruitment Full time

Do you take a** hands-on** approach as a **Credit Risk Manager**?

Are you that individual who **puts their ego aside** and gets stuck in, collaborating with your team to **deliver results together**?

Your experience is top-notch and it's **important to you that your work has purpose** and **makes an impact for good**...

Keen to** broaden your skills **by being an **end-to-end portfolio owner, **responsible for** **Credit Risk across the lifecycle?**

If you feel like you just read a description of yourself and your value add, keep reading...

A growing African Fintech, focused on driving financial inclusion for all - is on the hunt for a hands-on, ethical and innovative **Credit Risk Manager **whose **strength is analyzing credit data** within an acquisitions role/ environment.

**Role purpose**
- **
Unsecure Loans Portfolio**:responsible for the management of Credit Risk across the lifecycle
- provide the strategic direction for the portfolio
- In-depth portfolio analysis
- Utilises insights gained from analytics to inform decision-making related to credit strategy
- Utilises insights gained from analytics to determine the effectiveness of previous strategies implemented

This is a hands-on role so be prepared to roll up your sleeves and get into the detail

**Key Responsibilities**
- ** Develop, implement,** and monitor credit strategies across the credit lifecycle for unsecured loans (small value, short term loans). These will include but are not limited to cut-off strategies, risk-based pricing and limit allocation strategies and collections strategies.
- ** Undertake in-depth credit risk analysis **across the lifecycle and produce insights and value adding monitoring on a monthly and ad hoc basis
- Monitor and evaluate credit risk strategies implemented to ensure that they are within risk appetite
- ** Devise and set-up champion challenger strategies** and monitor the effectiveness thereof
- Run the **monthly impairment model** and produce the related provisioning paper for discussion and sign-off by the key stakeholders
- Enhance the existing monthly and ad hoc reporting to identify trends, improve insights into the portfolio and drive Credit strategy as a result
- Provide direction and guidance to cross-functional teams to ensure that credit strategies and models are implemented as expected and obtain the desired outcome

**Qualifications**
- BCom Honours in Economics, Finance, or related disciplines or alternatively a BSC Degree in Statistics or Mathematics (Quantitative degree) or equivalent.
- 5 Years + working in a Credit Risk environment preferably in an acquisitions role and at management level (note that management experience can be less than 5 years).

**Key requirements**:

- The ability to operate both at a strategic and operational level
- Good stakeholder management ability and the ability to develop relationships across senior and junior levels
- An innate drive to succeed and a passion for credit as a tool to improve the lives of the poor
- ** Commercial savviness and the ability to balance the risk/reward equation**

**Experience**
- Analytical skills (ability to extract and analyse large volumes of data)
- Coding skills (SQL, SAS, Python or related skills)
- Model building skills (provision and scoring models would be advantageous)
- Credit strategy development skills
- Presentation development (PowerPoint)
- Presentation skills
- The ability to solve potentially complex problems and communicate the problem and outcome in a simplified manner, detail orientation and excellent verbal and written communication skills.

Advantageous
- Experience and exposure across the other parts of the Credit Risk lifecycle (Existing Customer Management, Collections Strategy and Provisions) would be advantageous.
- Any experience in Fraud or Compliance analytics would also be advantageous.

Highly competitive and market related salary awaits

*NB* This dynamic team works _in-office_ position based in Rosebank.

  • Credit Risk analyst

    7 months 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...

  • Risk Management Professional

    1 month ago

    Johannesburg, Gauteng, South Africa Credit Link Placements Full time

    **Job Title:** Risk Management Professional**Company Overview:** Credit Link Placements is a leading provider of credit risk management solutions. We are seeking an experienced Risk Management Professional to join our team.**Salary:** The estimated salary for this position is between R350,000 - R450,000 per annum, depending on experience.**Job Description:**...

  • Manager: Credit Risk

    7 months ago

    Johannesburg, South Africa Telebest Full time

    Our client has an opportunity available for a Manager in the Credit Risk department based in Sandton.Requirements:CA or BCom postgraduate qualification.MBA would be advantageous.10 to 15 years Credit Risk experience in a financial institution.3+ years managing teams directly or indirectly.Experience in risk mitigation standards and processes.Proven track...

  • Credit Risk Manager

    7 months ago

    Johannesburg, South Africa FirstRand Full time

    Job Description To maximise the banks Risk-Adjusted Rate of Return by managing credit risk in the entire portfolio and individual transactions as well as managing Credit Analysts - Achieve year on year TotalRevenue Growth for the Business - Reduce Bad debts as a percentage of performing loans utilisation based on effective lending principals applied during...

  • Credit Risk Manager

    7 months ago

    Johannesburg, South Africa TotalEnergies Full time

    **Pays** Afrique du Sud **Lieu** South Africa **Lieu de travail** JOHANNESBURG-BIERMANN AV(ZAF) **Domaine** Finance **Type de contrat** CDI **Expérience** Minimum 6 ans **Qualification/ Experience Required** - B Comm degree is a requirement - Minimum of 5 years experience business related experience - Understanding of Commercial Law - Ability to...

  • Manager - Credit Risk

    7 months ago

    Johannesburg, South Africa Jelocorp Full time

    **Main purpose of the Job**: To carry out comprehensive credit risk management for the branch **Duties & Responsibilities**: - Administer the Drawdown Centre process and procedure - Ensure the above complied with internal policies and procedure manuals - **_Ensure policy compliance_** - _Monitor counterparty and industry concentration risk_ - _Monitor...

  • Credit Risk Manager

    2 months ago

    Johannesburg, Gauteng, South Africa LMP RECRUIT Full time

    Key Responsibilities:• Manage and minimize days outstanding and credit risk by maintaining debtors within target set by the Company.• Follow up, collection, and allocation of payments on Sage Accounting System.Requirements:• Grade 12 with 5 years full function Credit Control experience.• Strong Excel and Sage skills.• Strong FMCG industry...

  • Risk Analyst

    8 months ago

    Johannesburg, South Africa IT Ridge Technologies Full time

    **The purpose of this position is to assess, monitor and manage credit risk exposures in line with the company's risk tolerance** **Detailed Description**: - Analyze, assess and evaluate financial, market and business information in order to report on credit risk to facilitate informed decision making on the foreign exchange, gold and other fixed-income...

  • Portfolio Manager

    4 weeks ago

    Johannesburg, South Africa Jobted ZA C2 Full time

    Job Opportunity: Portfolio Manager - Credit Risk Are you an experienced professional in credit risk management, credit impairments, and collections reporting? Do you thrive on driving impactful strategies in credit origination? Join our dynamic team as a Portfolio Manager and make a significant impact on our organizations credit risk landscape! Key...

  • Portfolio Manager

    4 weeks ago

    Johannesburg, South Africa Network Recruitment Full time

    Job Opportunity: Portfolio Manager - Credit RiskAre you an experienced professional in credit risk management, credit impairments, and collections reporting? Do you thrive on driving impactful strategies in credit origination? Join our dynamic team as aPortfolio Managerand make a significant impact on our organizations credit risk landscape!Key...

  • Credit Risk Portfolio Manager

    7 months ago

    Johannesburg, South Africa iLaunch Full time

    Monitor the performance of credit portfolios, identifying trends and potential risks, and recommending appropriate risk mitigation strategies. Preparingand presenting reports to senior management Managing model risk for the credit portfolio. Ensure the Credit Risk framework and related credit policies are aligned to regulatory developments Contribute to...

  • Portfolio Manager: Credit Risk

    6 months ago

    Johannesburg, South Africa TymeBank Full time

    **Overall, Purpose of the Role**: As the Portfolio Manager for Credit Risk at TymeBank, you will play a pivotal role in assessing, analyzing, and mitigating credit risks within the bank's portfolio of lending products. You will gain experience across multiple lending products currently offered by the bank, i.e. Merchant Cash Advance, Personal Loan, MoreTyme...

  • Head of Credit and Risk Management

    1 week ago

    Johannesburg, Gauteng, South Africa Planet10 Full time

    Planet10 is looking for a Head of Credit and Risk Management to oversee the development and implementation of credit strategies across our organization. As a key member of our executive team, you will be responsible for ensuring the effective management of credit risk.Key Responsibilities:Set credit strategy and develop credit risk appetite in support of...

  • Credit Analyst

    7 months ago

    Johannesburg, South Africa CA Global Headhunters International Full time

    Reference No. MTBSCA **Job Description: **Responsibilities: Credit Analysis: - Critically analyse a client’s business upfront and on an ongoing basis ensuring the Credit Risk is understood, monitored and managed. - Rate clients through rating model and analyse & comment on financial statements. - Analyse, interpret & interrogate financial models and...

  • Credit Risk Scorecard Manager

    2 weeks ago

    Johannesburg, Gauteng, South Africa Network Recruitment Full time

    **Job Title:** Credit Risk Scorecard Manager Network Recruitment is seeking an experienced Credit Risk Scorecard Manager to lead our team in developing innovative credit risk scorecards. As a key member of our team, you will be responsible for designing and validating scorecards, presenting insights to senior management, and staying ahead of trends in...

  • Senior Credit Risk Manager

    4 weeks ago

    Johannesburg, Gauteng, South Africa Isilumko Staffing (JHB) Full time

    We are looking for an experienced Senior Credit Risk Manager to join Isilumko Staffing (JHB) on a full-time basis. This role is based in Johannesburg and offers a competitive salary.Job OverviewThis is a senior-level position that requires a high level of expertise in credit risk management. The successful candidate will be responsible for analyzing...

  • Credit Risk Management Specialist

    2 weeks ago

    Johannesburg, Gauteng, South Africa Network Recruitment Full time

    Job DescriptionWe are seeking an experienced Credit Risk Management Specialist to join our team at Network Recruitment.Key Responsibilities:Leadership and Team Management: Lead and mentor a team of credit underwriting analysts, providing day-to-day functional management support.Strategy Execution: Assist the Global Head of Underwriting in executing the...

  • Manager: Credit Risk Reporting

    3 weeks ago

    Johannesburg, South Africa Nedbank Full time

    **Requisition Details & Talent Acquisition Contact** - REQ 133650- Thembi Mtshali - Location: Johannesburg **Cluster** - Group Risk **Career Stream** - Credit Collections **Leadership Pipeline** - Manage Others **Position** - Manager: Credit Risk Reporting **Job Purpose** - To report on key aspects of the credit portfolio across business units and...

  • Credit Risk Manager

    1 week ago

    Johannesburg, Gauteng, South Africa Tower Group Full time

    Job DescriptionTower Group is seeking a highly skilled Credit Risk Manager to join our team. As a key member of our finance department, you will be responsible for managing credit risk and ensuring timely payment from customers.Key Responsibilities:Ensure 100% of all KPI targets are met in line with C&R policies.To minimize bad debt and ensure query...

  • Strategic Credit Risk Manager

    1 month ago

    Johannesburg, Gauteng, South Africa Network Recruitment Full time

    About Network RecruitmentNetwork Recruitment is a leading provider of recruitment services, connecting talented individuals with top companies in the industry.Salary InformationThe estimated annual salary for this position is between $90,000 and $140,000, depending on experience and qualifications.Job DescriptionThis role is centered around credit risk...