Credit Risk Manager

Are you an astute credit professional with a keen eye for complex financial assessment and commercial deal-structuring?

Our client is seeking an experienced Credit Risk Manager to take ownership of end-to-end credit assessment, portfolio risk governance, and collections strategy within their thriving rental division. 

In this role, you will lead a dedicated team, collaborate closely with executive stakeholders, and directly present high-stakes credit proposals to the Credit Committee. If you thrive on deep financial analysis, strategic decision-making, and driving robust risk policies in a fast-paced environment.

• Evaluate detailed annual financial statements, complex corporate group structures, customer contracts (including mining agreements), and commodity exposure to formulate and present comprehensive credit and investment proposals to the Credit Committee.
• Regularly review and update credit vetting policies and operational procedures in alignment with National Credit Act (NCA) regulations, market shifts, and group risk tolerance.
• Drive overall cash collection targets in partnership with the Accounts Receivable team, overseeing debtor aging and monitoring legal debtor management where necessary.
• Conduct ongoing process reviews across the commercial rental pipeline to ensure credit governance is upheld and credit checks are never bypassed.
• Conduct key client visits and high-level engagements to assess operational health, discuss structured payment arrangements, and maintain strong commercial relationships.
• Lead, mentor, and empower direct reports, fostering an environment of continuous improvement, high performance, and sound analytical judgment.

• Bachelor of Commerce (BCom) Degree in Finance, Accounting, or a directly related field.
• Minimum of 4 years’ proven credit management experience, including formal credit granting authority and comprehensive portfolio risk management.
• Exceptional financial statement analysis skills, robust understanding of contract management, securities, and deep working knowledge of the National Credit Act (NCA) and relevant financial legislation.
• Demonstrated track record of managing and developing direct reports.
• Confident presentation and stakeholder management abilities with proven experience preparing and presenting motivations to credit committees.