Senior Credit Operations Director

2 days ago


Pretoria, Gauteng, South Africa IT Ridge Technologies Full time

Job Title: Senior Credit Operations Director

IT Ridge Technologies is seeking a seasoned leader to head its credit operations team. As a Senior Credit Operations Director, you will oversee the entire credit lifecycle, from origination to collections, ensuring seamless execution and adherence to regulatory requirements.

  1. Leadership
  • Manage and motivate a high-performing team to meet departmental performance targets and drive business growth.
  • Develop and implement strategies for underwriting and acquisitions, focusing on pricing, profitability, and customer profiling.
  • Collaborate with cross-functional teams to ensure effective execution of credit processes.
  1. Operations Management
  • Design, implement, and continuously improve back-office systems and processes related to underwriting, loan administration, and collections.
  • Manage a wide range of operational activities, including credit analysis, direct communication with applicants and borrowers, and customer claims management.
  • Set up new business processes and enabling IT systems to enhance operational efficiency.
  • Oversee day-to-day underwriting and collections, ensuring compliance with legal and internal policies.
  • Analyze bottlenecks and implement solutions to improve process performance.
  1. Credit Control
  • Develop, implement, and regularly update credit operational processes, policies, and guidelines.
  • Monitor loan performance metrics and generate reports for senior management.
  • Identify early signs of default and take proactive measures to mitigate losses.

About You

  • 5 to 8 years of experience in consumer or commercial lending, with at least 3 years in a management role.
  • Strong understanding of credit risk principles, particularly in originations, collections, and business integration/strategy.
  • Up-to-date knowledge of best practices and industry trends.


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