Head of Credit and Risk

2 weeks 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 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...

  • 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 Research Sandton

    2 days 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...

  • Risk Analyst

    4 weeks 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 toleranceDetailed 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 reserve...

  • Credit Risk Consultant

    4 weeks ago

    Johannesburg, South Africa KPMG-SouthAfrica Full time

    Job title/position: Consultant (D5) Number of positions: 4 Function and Business Unit: Financial Risk Management - Credit Risk and Capital Management Description of the role and purpose of the job: We have an exciting opportunity to join our Financial Risk Management business unit, since we are looking to fill four positions for Consultants in our Credit...

  • Manager: Credit Risk

    4 weeks 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...

  • Manager - Credit Risk

    4 weeks ago

    Johannesburg, South Africa JeloCorp Full time

    Main purpose of the Job:To carry out comprehensive credit risk management for the branchDuties & Responsibilities:To analyze credit applications made by the corporate banking and treasury departments, including risk review of internal credit ratings and post-loan management reports.Review credit limit and transaction application and provide risk review...

  • Credit Risk Manager

    1 week ago

    Johannesburg, South Africa LMP RECRUIT Full time

    Are you hands on and strategic. Our client in the Fnancial technology sector seeks your sound experience as a Credit - Risk manager. **Qualification and Experience**: - BCom Honours in Economics, Finance, or related disciplines or alternatively a BSC Degree in Statistics or Mathematics (Quantitative degree) or equivalent. - Analytical skills (ability to...

  • Manager - Credit Risk

    4 weeks ago

    Johannesburg, South Africa Jelocorp Full time

    Main purpose of the Job:To carry out comprehensive credit risk management for the branchDuties & Responsibilities:To analyze credit applications made by the corporate banking and treasury departments, including risk review of internal credit ratings and post-loan management reports.Review credit limit and transaction application and provide risk review...

  • Credit Risk Manager

    6 days ago

    Johannesburg, South Africa PRR Recruitment Services Full time

    **Credit Risk Manager - R650k p.a dependant on experience and qualifications** This well know financial services company based in Rosebank is looking for a Credit Risk Manager - BCom Honours in Economics, Finance, or related disciplines or alternatively a BSC Degree in Statistics or Mathematics (Quantitative degree) or equivalent. - Analytical skills...

  • Credit Risk Analyst

    3 days ago

    Johannesburg, South Africa Nedbank Full time

    **Requisition & Talent Acquisition Consultant Details** - REQ 130085 - Twanette Coetser- Closing Date - 29 November 2023**Cluster & Location** - Total Business Banking and Retail - Client Value Management - Credit Risk- 135 Rivonia Road, Sandton- Hybrid**Career Stream** - Credit Collections **Leadership Pipeline** - Manage Self: Technical - Credit Risk...

  • Credit Risk Analyst

    3 days ago

    Johannesburg, South Africa Nedbank Full time

    **Requisition & Talent Acquisition Consultant Details** - REQ 132889 - Twanette Coetser- Closing Date - 25 March 2024**Cluster and Location** - Total Business Banking and Retail - Client Value Management - Credit Risk- Johannesburg, Gauteng- Hybrid**Career Stream** - Credit Collections **Leadership Pipeline** - Manage Self: Technical **Credit Risk...

  • Credit Risk Analyst

    2 weeks ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    A giant JSE-listed listed organisation is looking to employ a Credit Risk Analyst to monitor and diagnose benchmarks and trends across financial data, systems and processes. The purpose of this role is to provide data-driven and quantitative analysis that informs credit risk management strategies and processes across the credit life cycle. The focus of this...

  • Manager: Credit Risk

    4 days ago

    Johannesburg, South Africa Nedbank Full time

    **Job Req** - 124068- Closing Date- 22 February 2023- Career Stream- Credit Collections - Location- Sandton**Job Purpose**Responsibilities**: - Manage performance and efficiency of the team (where applicable) by conducting on the job training, counselling, coaching and monitoring daily activities - Ensure processes are actioned within mandated signatories...

  • Credit Risk Analyst

    3 weeks ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    A trailblazer in the banking sector is in the market for a Credit Risk Analyst with a MSc/BSc (Hons) to join their multinational organisation. The role entails being data-driven and use quantitative analysis to informs credit risk management strategies and processes across the credit life cycle. **Minimum Requirements**: - MSc/ BSc (Hons) in Statistics/...

  • Credit Risk Analyst

    4 weeks ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    A giant JSE-listed listed organisation is looking to employ a Financial Analyst to monitor and diagnose benchmarks and trends across financial data, systems and processes. is in the market for a Credit Risk Analyst with a MSc/BSc (Hons) to join their multinational organization. The purpose of this role is to provide data-driven and quantitative analysis that...

  • Credit Risk Consultant

    1 week ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    An opportunity is available with one of the top consultancies in the Financial Services industry for a Credit Risk Analyst, with credit risk model development and validations experience. **Job & Company Description**: **Education**: - Honours or Masters Degree in Quantitative Finance, Mathematics, Statistics etc. - A postgraduate qualification such as CFA,...

  • Credit Risk Analyst

    3 weeks ago

    Johannesburg North, South Africa Communicate Recruitment Full time

    A giant JSE-listed listed organisation is looking to employ a Credit Risk Analyst to monitor and diagnose benchmarks and trends across financial data, systems and processes. The purpose of this role is to provide data-driven and quantitative analysis that informs credit risk management strategies and processes across the credit life cycle. The focus of this...

  • Credit Risk Analyst

    3 days ago

    Johannesburg, South Africa Staff Solutions Full time

    **Gauteng**, JHB - Eastern Suburbs** **(Market related)** Our client in the Automotive Financial Services Industry is seeking a Credit Risk Analyst to join their team in Johannesburg. **Duties & Responsibilities**: - Formulate and improve the basic system and management principles of the company's comprehensive risk management system, establish the...

  • Credit Risk Portfolio Manager

    2 days 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...