Credit Risk Manager

Network Finance; Wes-Kaap; On-site; ZAR 900,000 - 1,300,000; Full time

Job summary

Network Finance is seeking an experienced Senior Credit Risk Specialist to lead the development and refinement of credit policies and lending strategies. You will monitor portfolio performance and collaborate with Data, Technology, Finance and Operations to implement strategy improvements.

You'll analyse repayment behavior, conduct risk-based pricing reviews, and present insights to senior stakeholders while promoting responsible lending and growth.

Qualifications

• Degree in statistics, actuarial science, mathematics, economics, finance, or related quantitative discipline.
• 5+ years' experience in Credit Risk.
• Experience in consumer lending or retail credit environments.
• Experience with credit strategy, credit policy and portfolio management.
• Experience managing credit limits, scorecard cut-offs, risk-based pricing, credit decisioning strategies, and portfolio monitoring.
• Experience with credit strategy testing/experimentation would be advantageous.

Responsibilities

• Develop, maintain and enhance credit policies and lending strategies.
• Monitor portfolio performance and identify opportunities to improve credit outcomes.
• Drive risk-based pricing, credit limit and cut-off strategy reviews.
• Design and evaluate credit experiments to optimise profitability and customer performance.
• Analyse repayment behaviour, portfolio trends and emerging credit risks.
• Partner with stakeholders across Data, Technology, Finance and Operations teams to implement credit strategy improvements.
• Translate analytical findings into practical business recommendations.
• Review and monitor provisioning methodologies and portfolio loss performance.
• Present recommendations and portfolio insights to senior stakeholders.
• Ensure responsible lending practices while supporting business growth objectives.

Skills

Strong analytical skills

Excellent communication

Influence senior stakeholders

Presentation skills

Strategic thinking

Attention to detail

Team oriented

Education

Degree in Statistics/Actuarial Science/Mathematics/Economics/Finance or related quantitative discipline

Tools

SQL

Python

Job description

Key Responsibilities

• Develop, maintain and enhance credit policies and lending strategies.
• Monitor portfolio performance and identify opportunities to improve credit outcomes.
• Drive risk-based pricing, credit limit and cut-off strategy reviews.
• Design and evaluate credit experiments to optimise profitability and customer performance.
• Analyse repayment behaviour, portfolio trends and emerging credit risks.
• Partner with stakeholders across Data, Technology, Finance and Operations teams to implement credit strategy improvements.
• Translate analytical findings into practical business recommendations.
• Review and monitor provisioning methodologies and portfolio loss performance.
• Present recommendations and portfolio insights to senior stakeholders.
• Ensure responsible lending practices while supporting business growth objectives.

Minimum Requirements

Qualifications

• Degree in Statistics, Actuarial Science, Mathematics, Economics, Finance or another relevant quantitative discipline.

Experience

• 5+ years' experience within Credit Risk.
• Proven experience in consumer lending or retail credit environments.
• Strong exposure to credit strategy, credit policy and portfolio management.
• Experience managing:
• Credit limits
• Scorecard cut-offs
• Risk-based pricing
• Credit decisioning strategies
• Portfolio performance monitoring
• Previous experience conducting credit strategy testing and experimentation would be advantageous.

Technical Skills

• Advanced SQL and/or Python skills.
• Strong data analysis and modelling capabilities.
• Experience working with large datasets.
• Solid understanding of:
• Credit risk management
• Portfolio analytics
• Credit scoring methodologies
• Risk-based pricing
• Profitability optimisation

The ideal candidate will demonstrate:

• Strong commercial acumen.
• Excellent analytical and problem-solving abilities.
• Ability to influence and engage senior stakeholders.
• Strong communication and presentation skills.
• Strategic thinking coupled with strong attention to detail.
• Ability to work in a fast-paced and evolving environment.
• Collaborative approach with a strong team orientation.