Strategic Credit Specialist
1 day ago
Datacentrix seeks an experienced Strategic Credit Specialist to lead credit model development, automation, and risk management in Cape Town.
This pivotal role drives quality asset acquisition while managing credit risk effectively.
The ideal candidate will have a client-centric mindset, enjoy developing innovative solutions, and possess excellent leadership skills.
Key Responsibilities- Credit Model Development & Enhancement:
- Refine credit models, scorecards, and analytics tools in line with best practices.
- Integrate data analytics to optimize credit decisioning, ensuring regulatory compliance.
- Credit Automation & Decisioning:
- Spearhead automation initiatives for efficient credit evaluations.
- Approve credit applications within mandate levels, ensuring quality assets and responsible lending practices.
- Risk Management:
- Oversee risk in client portfolios, conducting thorough assessments to ensure asset quality.
- Monitor credit performance and adjust risk parameters as needed.
- Client-Centric Solutions:
- Anticipate client needs, providing proactive credit solutions that align with their financial goals.
- Foster strong client relationships, ensuring effective solutions within agreed turnaround times.
- Cross-Functional Collaboration:
- Work with Sales, Credit Committee, Finance, and Operations to enhance model performance and compliance.
- Reporting & Analytics:
- Maintain and analyze reports on credit performance, sharing insights for strategic decision-making.
- Compliance & Regulatory Adherence:
- Ensure adherence to internal and external compliance standards.
- Stay current on industry trends and regulatory changes to refine strategies.
- Team Leadership & Development:
- Mentor junior analysts, fostering growth and continuous improvement.
- Provide training to enhance high-quality credit assessment capabilities.
The successful candidate will have a Grade 12 certificate, NQF Level 7+ in Finance or Banking, and 2-5 years of experience in credit management. An estimated salary for this role is R600,000 - R900,000 per annum, depending on experience.
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