Credit Manager

2 weeks ago


Cape Town City Centre, South Africa Jobted ZA C2 Full time

Key Responsibilities:

- Credit Model Development & Enhancement: Lead the design and continuous improvement of credit models, scorecards, and analytics tools.
- Credit Automation & Decisioning: Drive automation to streamline the credit evaluation and approval processes. Approve credit applications within mandate levels and implement responsible lending practices to minimize risk.
- Risk Management: Assess and manage credit risk across new and existing client portfolios. Conduct thorough credit assessments to ensure the acquisition of high-quality assets.
- Client-Centric Solutions: Understand client needs and provide tailored credit solutions to support financial goals. Maintain strong client relationships, offering proactive solutions within agreed turnaround times.
- Cross-Functional Collaboration: Work closely with Sales, Credit Committee, Finance, and Operations teams to optimize credit models for performance and compliance.
- Reporting & Analytics: Develop and maintain reports to track credit performance and risk metrics, presenting insights to senior management.
- Compliance & Regulatory Adherence: Ensure all credit operations comply with internal policies and regulatory standards. Stay informed on industry trends and emerging best practices.
- Team Leadership & Development: Mentor junior credit analysts and provide training to ensure high-quality credit assessments.

Skills and Experience:

- Grade 12 (Matric) certificate.
- NQF Level 7 or higher in a Financial or Banking-related field (essential).
- CIMA, Credit Management qualification, or equivalent (advantageous).
- 2-5 years of experience in a credit management environment, preferably in commercial finance.
- Experience in managing teams and fostering a collaborative, high-performance environment.


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