Credit Manager

Capitec Bank; Sandton; On-site; ZAR 500 000 - 700 000; Full time

Job summary

A leading South African financial institution seeks an experienced Credit Manager in Sandton. The role involves minimizing bad debt risk and maximizing profits through effective credit application processes. Candidates should have at least 5 years of credit management experience and a bachelor's degree in Credit Management or Banking. Strong skills in analytical thinking, decision making, and risk management are essential. A clear criminal and credit record is required.

Qualifications

• At least 5 years Credit Management experience across Personal and Business markets.
• Current Person-to-holder Credit Mandate.
• Experience in Intuitive Credit Granting.

Responsibilities

• To minimise the risk of loss through bad debts and maximise profits via effective credit processes.
• To interact with other areas of the bank for compliance with risk parameters.

Skills

Commercial Thinking Skills

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

Analytical Skills

Problem solving skills

Decision making skills

Attention to Detail

Numerical Reasoning 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
• Attention to Detail
• Numerical Reasoning skills

Conditions of Employment

• Clear criminal and credit record