Job Specification
Reporting into the Group Manager Financial Services, the incumbent will play an integral part in managing the credit risk for the group within a region. You will be a subject matter expert, managing the credit approval process, corporate governance compliance and the credit pipeline activities for specific portfolios. Responsibilities include proper implementation of the credit system and the presentation of credit related reports.
Minimum Requirements

BCom Degree with financial subjects
4 years related experience in an agricultural retail sector
Ability to effectively communicate and/or negotiate with high level of proficiency at all levels
Extensive knowledge of credit management processes and controls

Key performance indicators
The GOLD business imperatives displayed below are to be used as key indicators in sourcing competent candidates for this critical role.
Growth

Implementation of appropriate application scorecards and affordability models
Ability to execute in a diverse environment by building a deep understanding of the company's products and consumers to develop narratives that translate those concepts to broad consumer audiences and customer experiences
Lowering debt risk through negotiating increased securities

Optimisation

Execute the lending portfolio and continually optimize risk strategy for acquisition, fraud, and collection
Utilise statistical and segmentation tools to develop/optimize acquisition risk strategies for loan products

Leveraging Culture ’ Diversity

Ability to lead a high impact team and collaborate with different stakeholders
Ensures a sound credit risk management culture through awareness amongst the internal and external stakeholders

Digital Transformation

Driving the automation/optimization of credit management processes and control platforms
Develop consumer-facing content across a variety of segments to publicise the company's products ’ brands

Key leadership attributes
The incumbent would need to have the ability to progress and add continuous incremental value – having impact!

Dealing with complexity
Sound pragmatic judgement
Self – awareness
Achievement orientation
Deal with conflict