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 incredibly proud of people that make it happen.

As part of our Broader Africa talent team, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

Are you someone who can:

- Design, enhance and manage delivery and processes of credit portfolio across regions or product houses to deliver on unique and evolving business requirements underpinned by best practice to enhance service delivery and meet functional and business objectives
- Communicate, engage and be accommodating with stakeholders with different areas of expertise
- Understand general credit risk principles and use them to implement the broader credit strategy
- Identify potential financial risk and ensure measures are taken to manage that risk
- Assist with development of lending solutions
- Manage, develop and utilization of statistical credit models across SME and Commercial banking
- Oversight and support into the ongoing risk and collections processes
- Create new processes and facilitate change management thereof
- Manage operational risks and processes
- Create, analyse and interpret budget Variance Reports to ensure financial planning and accruals are adjusted to accommodate changes in business operations
- Reducing/managing Bad debts
- Own associated policies and frameworks
- Increase operational efficiency and suggest solutions to enhance cost effectiveness control costs for business area
- Determine targets for revenue growth Identify and implement on opportunities for revenue growth
- Research and design a longer term financial resource requirement plan for the area of responsibility
- Present the business case to motivate for financial resources
- Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in
- Engage in cross-functional relationships to obtain and to provide work support
- Design and deliver customer service solutions, systems and interactions aligned to Organisational values and service standards
- Drive continuous improvement in customer service delivery that prevent problems from arising in the future in a proactive manner Implement service delivery and efficiency models
- Monitor and evaluate all customer touch points to ensure the effectiveness of customer experience
- Maintain expert knowledge on relevant legislative amendments, industry best practices and provide of advice to relevant stakeholders
- Maintain up to date knowledge of local and global trends
- Provide thought leadership and expertise
- Provide input into, and implement, corporate governance, compliance, integrity and ethics policies in are of accountability to identify and manage risk exposure
- Ensure integrated view and reporting of relevant business information
- Analyse information to identify trends, discrepancies and inconsistencies for decision making purposes Ensure reporting of identified inconsistencies or opportunities
- Use the insights gained through integrated business reports to measure success and realign tactical strategy implementation objectives appropriately
- Ensure that each employee prepares a personal development plan that is implemented and reviewed as required
- Manage performance of team or teams in areas of responsibility against expected individual and team delivery targets
- Build team succession plans for roles in own area and influence resource planning
- Establish an enabling climate and culture to energise employees, give meaning to work, minimise work disruption and maximise employee productivity
- Influence the understanding and adoption of the organisational strategic direction
- Minimum Qualification: Bachelors degree in Actuarial Science, Mathematics, Statistics or equivalent
- Experience: 8+ Years in complex quantitative credit ideally in the banking industry; At least 3 years at a managerial level
- Skills: Strategic Planning, Statistical modelling, Quantitative Credit, Communication
- Tools: SAS, PowerBI, knowledge of FNB Platforms a plus

You will have access to:

- Opportunities to network and collaborate.
- Challenging working enviroment
- Opportunities to innovate.

We can be a match if you are:

- Curious & courageous - you're driven by always wanting to know more and learn more and you're brave enough to
- Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it.

Job Details

Application Closing Date

14/05/24

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