Portfolio Manager

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

Job summary

Merchant West is seeking a Portfolio Manager to work closely with business units to support deal execution, manage risk and identify opportunities for portfolio growth. The role involves monitoring client exposure, maintaining ongoing client relationships and ensuring compliance with credit policies.

You will lead portfolio performance reviews, engage with clients, support deal structuring, and ensure accurate reporting and governance.

Qualifications

• Relevant degree with Finance and/or Mathematics, Accounting as subject(s).
• 4+ years experience in a client facing role with a financial background/solution selling.
• Relationships and client/dealer base within the sector.
• Strong financial analysis and risk assessment skills.

Responsibilities

• Manage and monitor a portfolio of client facilities to ensure asset quality and performance.
• Track exposures, repayment behavior and overall portfolio health.
• Maintain client relationships and ensure service delivery.
• Support deal structuring and execution within the portfolio.
• Prepare portfolio reports and ensure data accuracy and compliance.
• Ensure adherence to credit policies and governance.

Skills

Portfolio management

Credit risk evaluation

Financial modelling

Cash flow analysis

Deal structuring

Client relationship

Financial statement analysis

Policy interpretation

Stakeholder management

Analytical thinking

Negotiation

Ownership & accountability

Risk judgement

Performance monitoring

Portfolio reporting

Education

Finance/Mathematics degree

Job description

The Portfolio Manager works closely with business units to support deal execution, manage risk and identify opportunities for portfolio growth and optimisation. The role involves monitoring client exposure, maintaining ongoing client relationships and ensuring compliance with Merchant West credit policies and governance frameworks.

Main Accountabilities:

Portfolio Management and Performance

• Manage and monitor a portfolio of client facilities to ensure strong financial performance and asset quality.


• Track client exposures, repayment behaviour, and overall portfolio health.


• Ensure portfolio performance aligns with Merchant West risk and profitability targets.

Client Relationship Management

• Maintain strong relationships with clients to ensure ongoing service delivery and satisfaction.


• Engage with clients to understand business needs and identify additional opportunities.


• Resolve client queries and manage relationship issues in a timely manner.


• Monitor client financial performance and identify potential credit risks.


• Ensure compliance with approved credit terms, covenants, and facility conditions.


• Escalate risk concerns and recommend corrective actions where required.

Deal Support and Portfolio Growth

• Support business units with deal structuring and execution within the portfolio.


• Assess financial impact of restructuring or additional funding requests.


• Identify opportunities to grow and optimise the portfolio.

Reporting and Portfolio Administration

• Prepare and maintain accurate portfolio reports and documentation.


• Ensure all client records and portfolio data are up to date and compliant.


• Provide regular updates on portfolio performance to management.

Credit Governance and Compliance

• Ensure adherence to credit policies, procedures, and governance frameworks.


• Maintain proper documentation and audit trails for portfolio activities.


• Support audit and compliance processes related to portfolio management.

Qualifications:

• Relevant degree with Finance and/or Mathematics, Accounting as subject(s)

Experience:

• 4+ years experience in a client facing role with a financial background/solution selling


• Relationships and client/dealer base within the sector

Skills:

• Portfolio management and performance monitoring


• Financial statement analysis and credit risk evaluation


• Deal structuring and transaction assessment


• Client relationship and stakeholder management


• Portfolio reporting and financial analysis


• Credit policy interpretation and application


• Financial modelling and cash flow analysis


• Portfolio systems and financial software utilisation


• Commercial judgement and financial acumen


• Analytical thinking and problem solving


• Decision making and sound risk judgement


• Stakeholder engagement and collaboration


• Negotiation and influencing capability


• Accountability and ownership


• Results orientation and performance focus