Credit Manager

Hire Resolve; Cape Town; On-site; ZAR 700,000 - 1,000,000; Full time

Benefits offered by this job

Highly competitive salary

Career advancement opportunities

Job summary

A leading specialist finance firm is seeking an experienced Credit Manager to manage and control the credit risk framework in Cape Town. The ideal candidate should have over five years of experience in credit analysis, with strong knowledge of the National Credit Act. Responsibilities include conducting risk assessments, managing credit limits and compliance, and collaborating with finance and tech teams. Applicants should possess strong analytical skills and digital acumen in risk management. A competitive salary based on experience is offered.

Qualifications

• 5+ years of progressive experience in credit analysis, risk assessment, or credit management.
• Direct exposure to bridging finance or specialist lending sector.
• In-depth knowledge of National Credit Act (NCA) in South African market.
• In-depth knowledge of the National Credit Act (NCA) in SA.
• Strong financial modelling, analysis, and underwriting skills.
• High level of digital and tech acumen with AI literacy.
• Proficiency in financial software and Excel.
• Excellent communication and leadership abilities.

Responsibilities

• Conduct credit risk assessments and due diligence on loan applications.
• Evaluate creditworthiness through financial data and credit reports.
• Develop and refine credit policies and internal scoring models.
• Monitor credit portfolio health and track risk exposure.
• Develop and refine credit policies and scoring models.
• Ensure compliance with NCA and POPIA.
• Maintain audit-ready documentation for credit decisions.
• Ensure processes align with NCR requirements.
• Monitor portfolio health and report on risk trends.
• Collaborate with finance/tech to drive digital and AI solutions like scorecards.
• Prepare reports on exposure, policy adherence, thresholds.
• Lead and mentor analysts and staff.
• Resolve disputes and coordinate with conveyancers, clients, teams.

Skills

Credit risk assessment

Financial analysis

Digital acumen

Problem-solving

Leadership

AI literacy

Education

Bachelor's degree in Finance, Accounting, Law, or related field

Tools

MS Office Suite

Financial software

Job description

A leading specialist finance firm is looking for an experienced Credit Manager with strong experience in bridging finance or specialist lending to join their team in the V&A Waterfront, Cape Town. This is an exciting opportunity for a tech‑savvy professional to define and control the credit risk framework while driving the strategic evolution of the credit function through digital and AI‑driven solutions. The ideal candidate will conduct thorough risk assessments on bridging loan applications, ensuring strict compliance with the National Credit Act (NCA) and aligning all underwriting with the company's risk appetite. If you have over five years of progressive experience in credit analysis and a forward‑thinking approach to risk management, we want to hear from you!

Responsibilities

• Conduct thorough credit risk assessments and due diligence on all bridging loan applications, including those for property sellers and estate agents.
• Evaluate the creditworthiness of potential and existing customers by analyzing financial data, credit reports, and supporting legal documentation.
• Establish appropriate credit limits, terms, and conditions for loans, ensuring alignment with the company's risk appetite.
• Proactively structure credit underwriting to mitigate potential issues and avoid increasing risk exposure.
• Develop, implement, and continuously refine credit policies, procedures, and internal scoring models to minimize financial loss and ensure consistency.
• Ensure all credit operations and collection practices are in strict compliance with relevant South African legislation, including the National Credit Act (NCA) and the Protection of Personal Information Act (POPIA).
• Manage and maintain audit‑ready documentation for all credit decisions and portfolio activities.
• Ensure all applications and processes align with requirements for regulatory bodies such as the NCR.
• Monitor the credit portfolio health, tracking risk exposure across clients and sectors, and reporting on early warning indicators and delinquency trends.
• Collaborate with finance and technology teams to drive the strategic evolution of the credit function, focusing on implementing digital and AI‑driven solutions like credit scorecards and algorithms.
• Prepare and present detailed reports and insights on exposure trends, policy adherence, and financial thresholds to senior management.
• Lead and mentor credit analysts and operations staff, ensuring high levels of accuracy and consistency in all assessments.
• Resolve escalated credit‑related disputes and communicate with conveyancers, clients, and internal teams to facilitate smooth loan processes and collections.

Requirements

• Bachelor's degree in Finance, Accounting, Law, or a related field.
• 5+ years of progressive experience in credit analysis, risk assessment, or credit management.
• Direct exposure to the bridging finance or specialist lending sector.
• In‑depth knowledge of the National Credit Act (NCA) and its application in the South African lending market.
• Strong financial modelling, analysis, and underwriting skills.
• High level of digital and tech acumen, with a genuine interest in AI literacy and data‑driven risk management.
• Proficiency in financial software and MS Office Suite, especially Excel.
• Exceptional analytical, methodical, and problem‑solving abilities.
• Proven leadership and team management capabilities.
• Demonstrated professional values and ethics, including professional scepticism and integrated thinking.
• Excellent communication skills for negotiating terms and presenting complex financial information.

Contact Hire Resolve for your next career‑changing move.

• Our client is offering a highly competitive salary for this role based on experience.
• Apply for this role today, contact Adrienne Steyn at Hire Resolve on [e-mail] or on LinkedIn.
• You can also visit the Hire Resolve website: hireresolve.us or email us your CV: [e-mail]

We will contact you telephonically in 3 days should you be suitable for this vacancy. If you are not suitable, we will put your CV on file and contact you regarding any future vacancies that arise.