Credit and Operations Specialist

2 weeks ago

Centurion, South Africa AVBOB Full time

You will be working for a company that is over 100 years old with strong values. In return for your services, you will be paid a competitive remuneration package. You will be working for an organization that values employee development and rewards excellent performance. **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. - Ensure all credit and lending activities comply with AFS’s policies, the RMCP, South African regulations, and the National Credit Act (NCA). - Collaborate with stakeholders to adapt policies to regulatory changes and market conditions. - Provide internal and external audits with necessary information and implement agreed actions. - Provide timely feedback to management on customer enquiries. - Ensure all customer dealings adhere to "Treating Customer Fairly" (TCF) principles. - Compile regular reports on credit control activities, loan performance, delinquency rates, recovery processes, and more. - 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. - Monitor the workflow system and resolve any system-related challenges. - Analyse 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. - Bachelor’s degree in finance, economics, or a related field. - 5 years of experience in consumer lending, including at least 3 years in a supervisory role. - Strong understanding of credit risk principles, with focus on originations, collections, and business strategy. - Knowledge of industry best practices and trends. - Leadership and team management skills. - Strong analytical, decision-making, and communication skills. - Ability to motivate and inspire a team to meet performance targets. - Proficiency in various software tools and financial analysis

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