·         Supervise a team of 5 credit risk analysts, providing guidance, mentoring, and performance management.

·         Oversee the credit evaluation process for new and existing clients, ensuring adherence to internal credit risk policies.

·         Ensure timely escalation of high-risk exposures and contribute to decisions regarding credit approvals and rejections.

·         Collaborate with other departments like commercial, to ensure a balanced approach to risk and business growth.

·         Prepare regular credit risk reports and dashboards for senior management.

·         Support internal and external audits and ensure compliance with all relevant regulatory frameworks.

·         Participate in the development and enhancement of credit risk models, policies, and systems.

·         Conduct regular training and upskilling of junior credit staff on credit risk policies, procedures, and tools.

·         Build and manage relationships with key stakeholders in the business to ensure delivery under the organization’s strategy.

·         Present accounts to the Credit Committee to approve within the framework.

·         Facilitate the credit sanctioning process to ensure responsible risk decisions. This will include the preparation of vetting documents and the presentation of recommendations to all stakeholders.

·         Manage all administrative and operational aspects of the relevant divisional clients ensuring completeness, accuracy and validity of data.

·         Monitor client’s business performance and identify relevant risks to ensure early identification of change in the client’s business or operating environment.

·         Implement measures to mitigate credit and financial risk against the company.

·         Ensure and monitor that all contracts are valid.

·         Ensure standard operating procedures are in place and are updated accordingly.

·         Assist the legal team with compliance and code of conduct and develop the process between the departments.

·         Manage the in follow of new accounts and distribute to the risk analysis.

·         Ensure POPI Act is followed.

·         Ensure all Company and Credit Acts are followed.

·         Ensure that you know and adhere to all Company policies and procedures.

·         Development of new policy within the group.

·         Refer to the company’s dress code.