Credit Manager

Capitec; Sandton; On-site; ZAR 600 000 - 850 000; Full time

Job summary

A prominent financial institution in South Africa is seeking a seasoned Credit Manager to minimize risks from bad debts and maximize profits through effective credit applications and evaluations. Ideal candidates will possess at least 5 years of experience in credit management, both personal and business, along with a Bachelor's degree in a relevant field. The role requires strong analytical and decision-making skills to ensure compliance with risk parameters.

Qualifications

• Minimum 5 years of Credit Management experience across Personal and Business markets.
• Current Person-to-holder Credit Mandate.
• In-depth understanding of the NCA.

Responsibilities

• Minimise risk of loss through bad debts.
• Maximise profits through effective execution of credit application processes.
• Ensure compliance with agreed risk parameters.

Skills

Commercial Thinking Skills

Computer Literacy (MS Word, MS Excel, MS Outlook)

Analytical Skills

Problem solving skills

Decision making skills

Education

Bachelor's Degree in Credit Management or Banking

Honours Degree in Credit Management or Banking

Job description

Purpose Statement

To minimise the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes, and ensuring the quality of credit risks across the portfolio is maintained. To interact with other areas of the bank and acting as a catalyst in ensuring compliance with agreed risk parameters as set out in the Bank’s strategy.

Experience

Minimum:

• At least 5 years Credit Management experience across Personal and Business markets
• Current Person-to-holder Credit Mandate

Ideal:

• At least 5 years Credit Management experience across Personal and Business markets
• Experience in Intuitive Credit Granting

Qualifications (Minimum)

• Bachelor's Degree in Credit Management or Banking

Qualifications (Ideal Or Preferred)

• Honours Degree in Credit Management or Banking

Knowledge

Minimum:

• Business knowledge
• Risk Management
• Understanding of Project Management methodologies and processes
• People Management
• Financial Management
• In-depth understanding of the NCA

Ideal:

• Knowledge of Intuitive Credit Granting

Skills

• Commercial Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Analytical Skills
• Problem solving skills
• Decision making skills