Head Of Credit

Communicate Recruitment; Johannesburg; On-site; ZAR 800 000 - 1 200 000; Full time

Job summary

An innovative financial institution in Johannesburg is seeking a Manager for Credit Risk Oversight. This mid-senior level role requires 8–10 years of experience in credit risk management, strong quantitative skills, and a strategic mindset. The successful candidate will oversee credit risk across business banking and retail portfolios, partner with senior leadership to align strategies, and mentor junior analysts. This position offers a dynamic environment and the opportunity to influence enterprise-wide credit strategy.

Benefits

Opportunity to influence credit strategy

Dynamic and innovative work environment

Inclusive culture fostering growth

Qualifications

• 8–10 years' experience in credit risk management.
• Strong quantitative and analytical expertise, including credit modelling exposure.
• Solid understanding of both business banking and retail credit environments.
• Proven ability to communicate and influence at senior levels.
• Experience in fast-paced, high-growth financial environments.

Responsibilities

• Provide independent oversight of credit risk across retail and business banking portfolios.
• Partner with senior leaders to align risk strategy with business objectives.
• Strengthen and maintain enterprise-level credit risk governance and control frameworks.
• Oversee and enhance credit modelling, risk assessment and portfolio analytics.
• Mentor and develop junior analysts, fostering a risk-aware culture.

Skills

Credit risk management

Quantitative analysis

Communication

Strategic mindset

Job description

Manager – Credit Risk Oversight (Business Banking & Retail)

Johannesburg / Cape Town

Are you an experienced credit risk leader looking to take on a high-impact role?

An innovative, fast-growing financial institution is seeking a Manager : Credit Risk Oversight to strengthen its enterprise-wide risk capability and guide both the business banking and retail portfolios towards more robust and forward-thinking risk practices.

This is a strategic and influential position suited to a seasoned risk professional who thrives in dynamic environments and wants to shape how risk is managed across multiple lines of business.

Why This Role Matters

Sitting within the organisation's Enterprise Risk Management (ERM) function, you will play a pivotal role in driving risk excellence.

The role is especially impactful for its cross-functional visibility — connecting insights across retail lending, asset finance, business banking, collections, modelling, and first-line decisioning.

You’ll work closely with senior leadership to refine risk frameworks, uplift credit modelling, and ensure a holistic, future‑ready approach to credit risk across the business.

Key Responsibilities

Provide independent oversight of credit risk across retail and business banking portfolios

Partner directly with senior leaders to align risk strategy with business objectives

Strengthen and maintain enterprise-level credit risk governance and control frameworks

Oversee, challenge, and enhance credit modelling, risk assessment and portfolio analytics

Partner with first‑line functions (including collections and credit operations) to ensure consistent and effective risk‑taking

Mentor and develop junior analysts, fostering a risk‑aware and high‑performance culture

Provide thought leadership and strategic input into risk appetite, policy, and portfolio performance

About You

You will excel in this role if you bring :

Qualifications & Requirements

8–10 years' experience in credit risk management

Strong quantitative and analytical expertise, including credit modelling exposure

Solid understanding of both business banking and retail credit environments

Proven ability to communicate and influence at senior levels

A proactive, strategic mindset with the ability to challenge, uplift, and innovate

Experience working in fast‑paced, high‑growth financial environments

What's in It for You?

Opportunity to work closely with senior executives and influence enterprise‑wide credit strategy

A dynamic, innovative environment that values continuous improvement

Inclusive culture that encourages growth, leadership and development

Room to build, refine, and leave a lasting impact on a maturing risk function

Additional Details

Seniority level: Mid‑Senior level

Employment type: Full‑time

Job function: Accounting / Auditing, Finance, and Analyst; Financial Services, Banking, and Accounting