Senior Manager: Credit

Nedbank; Johannesburg; On-site; ZAR 1,200,000 - 1,800,000; Full time

Job summary

Nedbank is seeking a Senior Manager: Credit in Johannesburg to lead risk oversight across lending products and optimise the credit portfolio quality. You will review assessments, ensure compliance, and guide decision-making with strong governance and risk controls.

The role demands extensive credit risk expertise, stakeholder engagement, and the ability to navigate complex regulatory requirements while promoting prudent, ethical lending practices.

Qualifications

• NQF Level 7 or Higher in a Financial or Banking related field essential
• CIMA, Credit management degree or equivalent will be advantageous
• Own reliable vehicle and valid driver's license a must
• Must be prepared to travel

Responsibilities

• Review credit assessments and manage risk across lending products.
• Conduct credit risk monitoring for alignment with risk appetite and policies.
• Validate client information for completeness and compliance.
• Analyse credit applications for affordability and funding viability.
• Approve, decline, or recommend funding within authority and policy.
• Provide independent credit risk opinions to inform decisions.
• Prepare and present credit risk reports to stakeholders and governance forums.
• Identify emerging risks from portfolio performance and market trends.
• Ensure ethical and fair lending practices balancing customer needs with risk.

Skills

Credit risk management

Leadership

Stakeholder management

Credit assessment

Education

Risk Management

Accounting

Finance

Auditing

Job description

Requisition & Specialist Recruiter Details

REQ 148101 - Twanette Coetser

Closing Date - 13 October 2026

Cluster and Location

Total Business Banking and Retail - Commercial Underwriting

Edenvale, Gatueng

Career Stream

Credit Management

Leadership Pipeline

Manage Others

Senior Manager: Credit

Job Purpose

To review credit assessment and manage risk across lending products to provide oversight and optimise the credit portfolio quality for Nedbank.

Job Responsibilities

• Conduct credit risk monitoring activities to ensure alignment with risk appetite, regulatory requirements, and credit policies.
• Validate client information and supporting documentation for completeness, accuracy, and compliance.
• Analyse credit applications by assessing affordability, serviceability, risk exposure, and funding viability.
• Approve, decline, or recommend alternative funding solutions in line with delegated authority, policy guidelines, and business strategy.
• Provide independent credit risk opinions and challenge lending decisions, policy changes, and business recommendations to ensure sound risk management.
• Prepare, analyse, and present credit risk reports, findings, and recommendations to stakeholders, committees, and governance forums.
• Identify emerging risks through analysis of portfolio performance, market trends, competitor activity, and economic conditions.
• Ensure ethical and fair lending practices by balancing customer needs with prudent risk management principles.
• Monitor compliance with approved corrective actions, regulatory requirements, internal policies, and agreed risk mitigation measures.
• Maintain and enhance credit policies, procedures, controls, and governance frameworks through continuous review and improvement.
• Provide input into the redesign and optimisation of credit processes, systems, and controls to accommodate legislative, regulatory, and business changes.
• Obtain and interpret legal opinions, regulatory directives, and governance requirements to support monitoring and decision-making activities.
• Build and maintain effective relationships with stakeholders by providing specialised credit risk advisory services and securing buy-in on recommendations.
• Manage stakeholder expectations by delivering services within agreed service levels and communicating risk matters effectively.
• Conduct ad hoc reviews and investigations to address immediate, emerging, or heightened credit risk concerns.
• Develop and execute annual monitoring and visitation programmes to ensure effective oversight of lending activities and portfolio risk.
• Contribute to business performance and financial objectives through proactive identification, monitoring, and mitigation of credit risk exposures.
• Manage departmental resources and budgets through effective planning, utilisation, and expenditure control.
• Ensure the quality, accuracy, and consistency of outputs through regular review, monitoring, and coaching of team members.
• Lead and develop employees through performance management, coaching, feedback, recognition, and targeted development initiatives.
• Build organisational capability by identifying current and future skills requirements and supporting learning and development interventions.
• Support talent acquisition, onboarding, succession planning, retention, and transformation objectives to maintain a high-performing and diverse workforce.
• Foster a culture of accountability, collaboration, innovation, knowledge sharing, and continuous improvement across the team.

Minimum Experience Level

• 5 - 10 Years’ Credit Assessment and decisioning experience within Banking environment
• Min 5 Years' Business Banking Credit experience in a in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honour debt obligations in a Commercial and Agricultural environment
• Extensive understanding of legalities associated with lending and collateral
• Team Management / Leadership experience would-be advantage
• Proofed track‑record on managing a large book.

Preferred Qualification

Post Graduate Diploma: Risk Management , Accounting, Finance and or Auditing.

Requirements

• NQF Level 7 or Higher in a Financial or Banking related field essential
• CIMA, Credit management degree or equivalent will be advantageous
• Own reliable vehicle and valid driver's license a must
• Must be prepared to travel

Technical / Professional Knowledge

• Business administration and management
• Client service management
• Communication Strategies
• Financial Accounting Principles
• Governance, Risk and Controls
• Operations planning
• Principles of project management
• Relevant regulatory knowledge
• Strategic planning
• Management information and reporting principles, tools and mechanisms

Behavioural Competencies

• Building Partnerships
• Earning Trust
• Coaching
• Communication
• Decision Making
• Inspiring others
• Guiding Team Success
• Planning and Organizing