- Location
- johann, ZA
- Type
- Full-time
- Department
- Finance
- Seniority
- Manager
- Source
- Breezy HR
Description
Primary Purpose
Provide independent oversight of credit risk across the portfolio, ensuring alignment with the Bank’s risk appetite, regulatory requirements, and strategic objectives. The role is responsible for developing and overseeing credit risk frameworks, policies, and processes to support sound lending decisions, minimise credit losses, identify emerging risks, and drive sustainable business growth.
Minimum Requirements
Qualifications
- Bachelor’s degree in finance, Risk Management, Accounting, Economics, or a related field.
Technical Competencies
- Protect the bank’s financial performance by minimising credit losses and impairments.
- Monitor and manage key credit risk metrics (e.g., NPLs, provisions, cost of risk).
- Support sustainable revenue growth by balancing risk appetite with business objectives.
- Evaluate credit portfolios to optimise returns and capital allocation.
- Provide input into budgeting and forecasting from a credit risk perspective.
- Support sound credit decision-making by providing accurate risk analysis that protects portfolio quality and mitigates potential financial losses.
- Monitor covenant compliance within LEX customer groups to ensure early detection of financial stress.
- Highlight financial risks and propose remediation strategies that align with the organization’s risk appetite.
- Monitor and calibrate credit risk appetite and limits
Duties and Responsibilities
FINANCIAL MANAGEMENT
- Protect the bank’s financial performance by minimising credit losses and impairments.
- Monitor and manage key credit risk metrics (e.g., NPLs, provisions, cost of risk).
- Support sustainable revenue growth by balancing risk appetite with business objectives.
- Evaluate credit portfolios to optimise returns and capital allocation.
- Provide input into budgeting and forecasting from a credit risk perspective.
- Support sound credit decision-making by providing accurate risk analysis that protects portfolio quality and mitigates potential financial losses.
- Monitor covenant compliance within LEX customer groups to ensure early detection of financial stress.
- Highlight financial risks and propose remediation strategies that align with the organization’s risk appetite.
- Monitor and calibrate credit risk appetite and limits
- Control and manage costs and expenditure in line with departmental and Bank budget expectations.
- Reduce fines and penalties for Bank non-compliance with regulatory requirements
CUSTOMER CENTRICITY
- Promote responsible lending through fair, transparent, and customer-focused credit decisions.
- Maintain a Responsible Lending Framework covering affordability, suitability, fair outcomes, and approval authorities.
- Conduct independent second-line reviews to assess policy compliance, consistency, decision quality, and fair customer treatment.
- Perform thematic reviews, recommend policy enhancements, and track remediation actions.
- Balance risk management with customer experience while supporting sustainable customer outcomes.
- Support product innovation and risk-based pricing through credit risk insights.
- Protect financial performance by minimising credit losses, impairments, and customer over-indebtedness.
- Provide independent oversight of portfolio risk, returns, capital utilisation, and concentration exposures.
- Monitor portfolio alignment with risk appetite, identify emerging risks, and escalate concerns through governance forums.
- Contribute to budgeting, forecasting, and portfolio optimisation from a credit risk perspective.
PEOPLE LEADERSHIP
- Communicating job expectations, planning, monitoring, appraising and reviewing job contributions
- Manage team in respect of recruitment decisions, performance moderation, talent
- Management employee relations, warnings, resolving conflict, disciplinary action, recognition and retention of employees
- Build team succession plans for roles in own area and influence resource planning
- Ensure timeous, clear contracting and assessment of performance expectations in line with identified objectives and enable a learning and growth culture
- Implement talent management practices in line with HR policies and procedures
- Provide direction, coaching, and regular feedback to employees to improve performance and implement performance improvement initiatives
OPERATIONAL EXCELLENCE
- Monitor and manage concentration risk and counterparty exposures within regulatory limits.
- Identify emerging risks through early warning indicators, stress testing, and scenario analysis.
- Assess and challenge the impact of credit risk on financial performance and reporting.
- Manage cash flows, FX approvals, and Group exposures within regulatory and facility limits.
- Escalate and report limit breaches to relevant stakeholders and regulators.
- Prepare and distribute accurate credit risk and regulatory reports.
- Monitor excess positions, FX cash flows, trade finance settlements, and covenant compliance.
- Investigate variances, maintain data integrity, and ensure timely risk reporting.
- Oversee LEX customer groupings, credit limits, and system accuracy.
- Review deal files, complete regulatory submissions (e.g., BA200), and report findings.
- Support audits, strengthen controls, and drive process improvements.
- Manage loan activation and pay-away processes with accurate record keeping
- Ensure accuracy and completeness of data used in all risk and regulatory reporting.
LEARNING AND GROWTH
- Work with Learning & Development and Internal Communications teams to design and implement appropriate AML education, learning and communication for employees.
- Take ownership for driving own career development.
- Achievement of objectives/milestones set out in the development plan.
- Preparation and signing off of the development plan.
- Development of knowledge base and intellectually property
This position is advertised in line with our commitment to Employment Equity.