Credit Lead

Network Finance; Wes-Kaap; On-site; ZAR 1,200,000 - 1,800,000; Full time

Job summary

Network Finance is seeking an experienced Credit Lead to shape credit strategy across African markets. You will influence policy, pricing, and provisioning in a fast-paced, data-driven environment.

Lead cross-functional partnerships with Data Science, Finance, Operations and Technology, driving credit experiments, monitoring portfolio trends, and delivering measurable improvements in profitability and customer experience.

Qualifications

• 5–8+ years in consumer credit risk or portfolio management.
• Degree in statistics, actuarial science, mathematics, economics, finance or related quantitative discipline.
• Experience in unsecured lending, credit risk management and profitability analytics.
• Advanced SQL and/or Python with ability to work with large datasets.
• Strong understanding of credit scoring, IFRS 9 provisioning, and risk-based pricing.

Responsibilities

• Develop and enhance credit policies and decisioning strategies.
• Analyse portfolio performance and adjust limits, scorecard cut-offs, pricing, and provisioning strategies.
• Design, execute, and evaluate credit experiments to improve business outcomes and customer experience.
• Monitor portfolio trends, identify emerging risks, and propose corrective actions.
• Partner with Data Science, Finance, Operations, and Technology teams to translate analytical insights into practical business solutions.
• Support the implementation and governance of credit policy changes from concept through to execution and post-implementation review.

Skills

SQL

Python

Credit risk

Portfolio analytics

IFRS 9

Stakeholder management

Education

Quantitative degree

Job description

An exciting opportunity exists for an experienced Credit Lead to play a key role in shaping and enhancing credit strategy across multiple African markets. This role offers the opportunity to influence credit policy, portfolio performance, profitability, and customer experience within a fast-paced, data-driven environment.

Key Responsibilities:

• Drive the development and enhancement of credit policies and decisioning strategies.
• Analyse portfolio performance and recommend improvements to credit limits, scorecard cut-offs, pricing, and provisioning strategies.
• Design, execute, and evaluate credit experiments to improve business outcomes and customer experience.
• Monitor portfolio trends, identify emerging risks, and recommend corrective actions.
• Partner with Data Science, Finance, Operations, and Technology teams to translate analytical insights into practical business solutions.
• Support the implementation and governance of credit policy changes from concept through to execution and post-implementation review

Requirements:

• 5-8+ years' experience within consumer credit risk, credit policy, risk analytics, or portfolio management.
• Degree in Statistics, Actuarial Science, Mathematics, Economics, Finance, or a related quantitative discipline.
• Strong experience in unsecured lending, credit risk management, and portfolio analytics.
• Advanced SQL and/or Python skills with the ability to work with large datasets.
• Strong understanding of credit scoring, risk-based pricing, IFRS 9 provisioning, and profitability analytics.
• Ability to influence senior stakeholders and translate complex data into actionable business decisions.

What We're Looking For

• Commerciallymindedandanalyticallydriven
• Strongproblem-solvinganddecision-makingabilities
• Comfortablechallengingassumptionsandinfluencingoutcomes
• Passionforinnovation,continuousimprovement,andcustomer-centricsolutions
• WillingnesstotravelacrossAfricaonaquarterlybasis

If you're looking for an opportunity where your insights will directly shape credit strategy, drive growth, and create meaningful impact across African markets, we'd love to hear from you.