Reference: JHB006492-LD-1

Our Client in Cape Town is looking for a Credit Manager
Are you a strategic thinker with a passion for credit automation and responsible lending? We're seeking an experienced Credit Manager who excels in credit model development, automation, and risk management. This role is pivotal in driving quality asset acquisition while managing credit risk effectively. If you have a client-centric mindset and enjoy developing innovative solutions within acceptable turnaround times, this could be the perfect opportunity.
If you're ready to lead the way in credit automation and strategic asset management, apply today to join the team as Credit Manager!Duties & ResponsibilitiesSkills and Experience:

• Grade 12 required.
• NQF Level 7+ in Finance or Banking essential (CIMA or Credit Management degree advantageous).
• 2-5 years in credit management, preferably in commercial finance.
• Proven experience leading teams in a collaborative, high-performance environment.

Key Responsibilities:

• Credit Model Development & Enhancement:
  
  • Lead and 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.