Job Title: Credit Manager
Company:AtripleA Recruitment & Temps
Job description: Job Title: Credit Manager (Cape Town)Our client in the Commercial Asset Finance Industry is looking for a Credit manager.Key responsibilitiesCredit Model Development & Enhancement:
- Lead the design, development, and continuous improvement of credit models,
scorecards, and analytics tools
- Analyse and integrate data to refine credit decisioning systems, ensuring they align
with industry best practices and regulatory standards.
Credit Automation & Decisioning:
- Drive automation initiatives to streamline credit evaluation and approval processes.
- Make credit recommendations and approve credit applications within authorized
mandate levels, ensuring the placement of quality assets.
- Implement responsible lending practices to minimize risk and ensure compliance.
Risk Management:
- Assess and manage credit risk across new and existing client portfolios.
- Conduct thorough credit assessments to ensure the acquisition of high-quality
assets while mitigating potential risks.
- Monitor credit performance and provide insights to adjust risk parameters as
necessary.
Client-Centric Solutions:
- Understand and anticipate client needs, providing tailored credit solutions to
support their financial goals.
- Maintain strong relationships with clients, offering proactive and innovative
solutions within agreed turnaround times
Cross-Functional Collaboration:
- Work closely with Sales, Credit Committee, Finance, and Operations teams to
optimize credit models for better performance and compliance.
- Coordinate with cross-functional teams to address any challenges in credit
assessment, approval, or risk management.
Reporting & Analytics:
- Develop and maintain reports to track credit performance, model accuracy, and risk
metrics.
- Present insights and recommendations to senior management and stakeholders,
supporting strategic decision-making.
Compliance & Regulatory Adherence:
- Ensure all credit operations comply with internal policies and external regulations.
- Stay updated on industry trends, regulatory changes, and emerging best practices
to continuously refine credit strategies.
Team Leadership & Development:
- Mentor and guide junior credit analysts, fostering a culture of continuous
improvement and knowledge sharing.
- Provide training and support to ensure the team is equipped with the skills to
perform high- quality credit assessments.COMPETENCIES WE LOOK FOR:
- Strategic thinker with strong analytical and problem-solving skills
- Strong leadership and team-building capabilities
- Excellent communication skills, with the ability to present complex data insights to
non-technical stakeholders.
- High attention to detail, ensuring accuracy and compliance in all modelling
activities.
- Passion for innovation and staying ahead of emerging trends in data science and
credit automation.
- A self-starter, able to take initiative and drive models from concept to
implementation while ensuring usability across teams.SKILLS AND EXPERIENCE WE LOOK FOR:
- Grade 12
- NQF Level 7 or Higher in a Financial or Banking related field essential.
- CIMA, Credit management degree or equivalent will be advantageous.
- 2-5 years’ experience in a credit management environment, preferably in
commercial finance.
- Experience managing teams and fostering a collaborative, high-performance
environment.Send your CV and latest pay slip to raca@aaaa.co.za
Expected salary: R600000 – 700000 per year
Location: Cape Town, Western Cape
Job date: Sat, 14 Dec 2024 00:17:29 GMT
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