Strategic Retail Credit Head

6 months 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 Strategic Retail 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:
- Identify potential financial risk that the annual business plan might bring about and ensure measures are taken to manage that risk against the financial expenditure budget- Create, analyse and interpret budget Variance Reports to ensure financial planning and accruals are adjusted to accommodate changes in business operations Increase operational efficiency and suggest solutions to enhance cost effectiveness control costs for business area- Monitor revenue growth for applicable income streams- Determine targets for revenue growth Identify and implement on opportunities for revenue growth- Contribute to the development of larger overall area budget- Develop the budget for the next financial year for area of responsibility taking all operational plans into consideration- Research and design a longer term financial resource requirement plan for the area of responsibility- Present the business case to motivate for financial resources- Analyse and develop implementation plans against the forecasted financial budget- Develop tactical budget for area of responsibility that minimise expenditure and manage costs- Control the budget for area including the authorisation of expenditures and implementation of financial regulations- 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- Contribute to sustaining a competitive edge through external networking, benchmarking and representation on related forums-
- Ensure that the customer is at the centre of the business philosophy, operations and ideas- Design and deliver customer service solutions, systems and interactions aligned to Organisational values and service standards- Establish, manage and maintain sound relationships with stakeholders based on trust that builds the brand- 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- Enhance the service experience by ensuring the alignment of multiple service delivery processes and channels, and putting the customer first Introduce best practice customer service solutions 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- Stays abreast of relevant industry risk management best practices and legislative amendments and suggests ways to leverage these to ensure continuous improvement- Creates risk awareness and manages audit findings Participate in Group risk forums where required and cascades relevant information through team- 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- Understand the competency and skills sets to be mastered to ensure personal and employee development and performance- Identify development needs and select effective solutions to address own and employee development needs to facilitate improvement of self and team- Ensure that each employee prepares a personal development plan that is implemented and reviewed as required- Create an environment conducive to cross-functional skills transfer- Keep abreast of learning opportunities, changing products and trends- Provide guidance, share knowledge and expertise and guide employees to find their own solutions- Share constructive feedback that motivates others to grow- Partner with in-country credit and business teams to develop, monitor and grow a profita

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