Lead Credit Risk & Fraud Operations

CORE; Sandton; On-site; ZAR 900,000 - 1,400,000; Full time

Job summary

CORE is seeking a Risk Operations Manager in Sandton to lead the manual credit assessment team and own fraud management and regulatory compliance within iStore Finance. The role requires strong credit risk practice, people leadership, and experience ensuring operations scale while maintaining control.

You will drive policy refinement with Data/MI, manage decisioning quality, and oversee fraud controls across onboarding and servicing to minimise losses and regulatory risk.

Qualifications

• 5-8 years’ experience in credit risk, credit assessment or compliance within consumer lending.
• 2-3 years managing a team of credit analysts.
• Strong knowledge of SA credit regulatory environment (FICA, NCA, POPIA, NCR).
• Fraud risk management experience in consumer lending, with controls and detection methods.
• Advanced Excel and reporting tools essential.

Responsibilities

• Lead, coach and manage the Credit Analyst team with targets for turnaround time, decision quality and outcomes.
• Own end-to-end manual credit assessments ensuring alignment with policy and affordability criteria.
• Run case reviews and quality checks to improve analyst judgement and capability.
• Monitor decision quality, turnaround times and portfolio risk trends; take corrective action as needed.
• Collaborate with Data/MI to refine credit policy, scorecards and decisioning rules.
• Own the fraud strategy and control framework across application, onboarding and servicing.

Skills

Credit risk

Regulatory compliance

Fraud detection

Team leadership

Credit policy

Excel

MI reporting

Stakeholder management

Education

Bachelor's degree in Finance or Risk Management

Tools

Credit decisioning tools

MI/Reporting platforms

Job description

CORE is seeking a Risk Operations Manager in Sandton to lead the manual credit assessment team and own fraud management and regulatory compliance within iStore Finance. The role requires strong credit risk practice, people leadership, and experience ensuring operations scale while maintaining control.

You will drive policy refinement with Data/MI, manage decisioning quality, and oversee fraud controls across onboarding and servicing to minimise losses and regulatory risk.