Credit Vetting Operations Manager: Cec

**JOB PURPOSE**

**RESPONSIBILITIES**

**Credit Vetting**
- Responsible for designing, implementing, operating and continuously improving the back office systems and processes
- Design and continuously improve existing and new business processes
- This includes selecting the IT systems that support day-to-day operations; outlining process flows, defining operating rules and policies, assigning operational roles and responsibilities, integrating manual operations with IT systems and defining performance metrics
- Run day-to-day underwriting and collections
- Keep track of performance metrics, taking corrective actions, analyzing bottlenecks and implementing solutions that bring process performance to the next level
- Managing the entire back office processes implies overseeing a wide range of operational activities alongside managing customer relationships
- These include but are not limited to: performing credit analysis, establishing direct communication channels with applicants and borrowers, issuing loan agreements

**Reporting**
- Provide regular reports to the Financial Executive on the performance of the credit vetting team
- Maintain and investigate current reporting with a key focus on improving reporting to the executive team
- Development of new and dynamic reports based on key data insights and analytics performed
- Perform other duties as assigned by the accountable relevant executive

**Governance and Compliance**
- Ensure compliance with all relevant regulatory and legal requirements
- Ensure that data handling practices adhere to data governance policies and relevant regulations, such as to protect data privacy and security

**Team Management**
- Supervise a team of credit vetting professionals and organize their workflow to ensure timely delivery of quality credit decisions
- Ensure that all credit vetting procedures and policies are being adhered to by the team
- Conduct regular training sessions for the credit vetting team to ensure that they are up to date with new policies and procedures

**Work Collaboratively**
- Manage upstream and downstream partners involved in the delivery of the credit vetting service - Manage and drive relevant KPI’s across these partners to CEC
- Recognize outcomes which resulted from effective collaboration between teams
- Build co-operation and overcome barriers to information sharing, communication and collaboration across the organization
- Build a culture of respect and understanding across the organisation
- Facilitate opportunities to engage and collaborate with stakeholders to develop joint solutions

**Self Management**
- Plan and prioritize, demonstrating abilities to manage competing demands
- Demonstrate abilities to anticipate and manage change
- Demonstrate flexibility in balancing achievement of own objectives with abilities to understand and respond to organizational and team needs
- Follow through to ensure that personal quality and productivity standards are consistently and accurately maintained

**BEHAVIOURAL COMPETENCIES**
- Communicates Effectively
- Ensures Accountability
- Decision Quality
- Financial Acumen
- Instills Trust
- Collaborates
- Customer Focus
- Situational Adaptability
- Balances Stakeholders

**SKILLS**
- Risk Management
- Reporting
- Underwriting Management
- Analyze Alternatives and Recommend Solutions

**EDUCATION**
- Matric
- Bachelor’s degree in commerce or finance, non-negotiable
- Honours / Masters degree will be advantageous

**EXPERIENCE**
- A minimum of 5 years of experience in credit vetting and assessment
- At least 3 - 5 years of experience in a managerial or similar role