Credit Risk Manager

outsidecapital; Gauteng; On-site; ZAR 900,000 - 1,300,000; Full time

Job summary

OutsideCapital is seeking an experienced Credit Risk Manager to own end-to-end credit assessment, portfolio risk governance, and collections strategy within the rental division. You will lead a team, collaborate with executives, and present to the Credit Committee on high-stakes credit proposals.

The role emphasizes deep financial analysis, strategic decision-making, and robust risk policy development in a fast-paced environment. Strong stakeholder engagement and leadership are essential.

Qualifications

• Bachelor of Commerce (BCom) in Finance, Accounting, or a directly related field.
• Minimum of 4 years' proven credit management experience, including formal credit granting authority.
• Strong knowledge of the National Credit Act (NCA) and relevant financial legislation.
• Experience in managing and developing direct reports.
• Proven ability to prepare and present motivations to credit committees.

Responsibilities

• Evaluate detailed annual financial statements and complex structures to formulate credit proposals to the Credit Committee.
• Regularly review credit vetting policies and procedures to align with NCA regulations and group risk tolerance.
• Drive cash collection targets in partnership with Accounts Receivable, overseeing debtor management.
• Conduct process reviews across the commercial rental pipeline to uphold credit governance.
• Lead client visits to assess operational health and discuss structured payment arrangements.
• Mentor and develop direct reports to foster high performance and analytical rigor.

Skills

Financial statement analysis

NCA knowledge

Contract management

Stakeholder management

Team leadership

Presentations to committees

Education

BCom Degree in Finance/Accounting or related field

Job description

Are you an astute credit professional with a keen eye for complex financial assessment and commercial deal-structuring?

Our client is seeking an experiencedCredit Risk Manager to take ownership of end-to-end credit assessment, portfolio risk governance, and collections strategy within their thriving rental division.

In this role, you will lead a dedicated team, collaborate closely with executive stakeholders, and directly present high-stakes credit proposals to the Credit Committee. If you thrive on deep financial analysis, strategic decision-making, and driving robust risk policies in a fast-paced environment.

Responsibilities:

• Evaluate detailed annual financial statements, complex corporate group structures, customer contracts (including mining agreements), and commodity exposure to formulate and present comprehensive credit and investment proposals to the Credit Committee.
• Regularly review and update credit vetting policies and operational procedures in alignment with National Credit Act (NCA) regulations, market shifts, and group risk tolerance.
• Drive overall cash collection targets in partnership with the Accounts Receivable team, overseeing debtor aging and monitoring legal debtor management where necessary.
• Conduct ongoing process reviews across the commercial rental pipeline to ensure credit governance is upheld and credit checks are never bypassed.
• Conduct key client visits and high-level engagements to assess operational health, discuss structured payment arrangements, and maintain strong commercial relationships.
• Lead, mentor, and empower direct reports, fostering an environment of continuous improvement, high performance, and sound analytical judgment.

Requirements:

• Bachelor of Commerce (BCom) Degree in Finance, Accounting, or a directly related field.
• Minimum of 4 years' proven credit management experience, including formal credit granting authority and comprehensive portfolio risk management.
• Exceptional financial statement analysis skills, robust understanding of contract management, securities, and deep working knowledge of the National Credit Act (NCA) and relevant financial legislation.
• Demonstrated track record of managing and developing direct reports.
• Confident presentation and stakeholder management abilities with proven experience preparing and presenting motivations to credit committees.