Credit Manager

Job Title: Credit Manager (Parow, Cape Town)

Key responsibilities

Credit Model Development & Enhancement:
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Lead the design, development, and continuous improvement of credit models, scorecards, and analytics tools
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Analyse and integrate data to refine credit decisioning systems, ensuring they align with industry best practices and regulatory standards.
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Credit Automation & Decisioning:
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Drive automation initiatives to streamline credit evaluation and approval processes.
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Make credit recommendations and approve credit applications within authorized mandate levels, ensuring the placement of quality assets.
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Implement responsible lending practices to minimize risk and ensure compliance.
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Risk Management:
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Assess and manage credit risk across new and existing client portfolios.
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Conduct thorough credit assessments to ensure the acquisition of high-quality assets while mitigating potential risks.
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Monitor credit performance and provide insights to adjust risk parameters as necessary.
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Client-Centric Solutions:
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Understand and anticipate client needs, providing tailored credit solutions to support their financial goals.
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Maintain strong relationships with clients, offering proactive and innovative solutions within agreed turnaround times.
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Cross-Functional Collaboration:
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Work closely with Sales, Credit Committee, Finance, and Operations teams to optimize credit models for better performance and compliance.
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Coordinate with cross-functional teams to address any challenges in credit assessment, approval, or risk management.
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Reporting & Analytics:
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Develop and maintain reports to track credit performance, model accuracy, and risk metrics.
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Present insights and recommendations to senior management and stakeholders, supporting strategic decision-making.
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Compliance & Regulatory Adherence:
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Ensure all credit operations comply with internal policies and external regulations.
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Stay updated on industry trends, regulatory changes, and emerging best practices to continuously refine credit strategies.
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Team Leadership & Development:
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Mentor and guide junior credit analysts, fostering a culture of continuous improvement and knowledge sharing.
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Provide training and support to ensure the team is equipped with the skills to perform high-quality credit assessments.

COMPETENCIES WE LOOK FOR:

Strategic thinker with strong analytical and problem-solving skills
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Strong leadership and team-building capabilities
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Excellent communication skills, with the ability to present complex data insights to non-technical stakeholders.
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High attention to detail, ensuring accuracy and compliance in all modelling activities.
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Passion for innovation and staying ahead of emerging trends in data science and credit automation.
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A self-starter, able to take initiative and drive models from concept to implementation while ensuring usability across teams.

SKILLS AND EXPERIENCE WE LOOK FOR:

Grade 12
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NQF Level 7 or Higher in a Financial or Banking related field essential.
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CIMA, Credit management degree or equivalent will be advantageous.
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2-5 years’ experience in a credit management environment
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Experience in commercial finance.
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Experience managing teams and fostering a collaborative, high-performance environment.

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