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Business Credit Risk Manager

3 weeks ago

Centurion, Gauteng, South Africa AVBOB South Africa Full time

Job Title: Business Credit Risk Manager

We are seeking a highly skilled Business Credit Risk Manager to join our team at AVBOB South Africa. As a key member of our operations department, you will be responsible for leading and managing our credit and collections team.

The ideal candidate will have strong leadership skills, in-depth knowledge of credit management, and a passion for process improvement. You will supervise the day-to-day activities of the team, oversee credit assessments, ensure compliance with credit policy, manage loan applications, and drive collections efforts.

This role involves analyzing credit data to assess policy effectiveness and recommending changes to improve risk management. You will also identify potential risks in the loan portfolio and implement strategies to mitigate them.

In addition, you will prepare monthly Risk Control Self-Assessment reports and monitor customer accounts to ensure timely repayment and adherence to loan schedules.

The successful candidate will have a Bachelor's degree in finance, economics, or a related field, and at least 5 years of experience in consumer lending, including 3 years in a supervisory role. You will also possess strong analytical, decision-making, and communication skills, as well as leadership and team management abilities.

Key Responsibilities:

  • Supervise daily activities in loan underwriting, account management, and collections.
  • Streamline processes and enhance operational efficiencies.
  • Develop and implement effective debt collection operational plans.
  • Track performance metrics, identify bottlenecks, and make improvements to systems and processes.
  • Ensure compliance with company credit policies, manage overdue accounts, and minimize bad debts.
  • Conduct daily dipstick of disbursed loans to ensure policy compliance.
  • Monitor customer accounts to ensure timely repayment and adherence to loan schedules.
  • Collaborate with stakeholders to adapt policies to regulatory changes and market conditions.
  • Provide internal and external audits with necessary information and implement agreed actions.
  • Respond to internal and external audit queries.
  • Lead departmental meetings and provide insights on operational performance.
  • Develop training programs and identify training needs for the team.
  • Implement discipline and address incidents that fall outside the norm.
  • Manage staff leave, conduct performance appraisals, and provide coaching to improve performance.
  • Work with the Credit and Operations Manager to improve credit control processes.
  • Assist in implementing system upgrades or automation to enhance efficiency.
  • Analyze credit data to assess policy effectiveness and recommend changes to improve risk management.
  • Identify potential risks in the loan portfolio and implement strategies to mitigate them.
  • Address delinquent accounts and reduce the company's exposure to credit risk.
  • Prepare monthly Risk Control Self-Assessment reports.

Requirements:

  1. Bachelor's degree in finance, economics, or a related field.
  2. 5 years of experience in consumer lending, including at least 3 years in a supervisory role.
  3. Strong understanding of credit risk principles, with focus on originations, collections, and business strategy.
  4. Knowledge of industry best practices and trends.
  5. Leadership and team management skills.
  6. Strong analytical, decision-making, and communication skills.
  7. Ability to motivate and inspire a team to meet performance targets.
  8. Proficiency in various software tools and financial analysis.