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Credit Risk Manager - Collections/Fraud

Remuneration:Market related 
Location:Cape Town, Southern suburbs
Job level:Management Snr
Job policy:Employment Equity position

Job description

The ideal candidate for this role will be responsible for making strategic credit risk decisions and will manage a team of high performing analysts and perform both a strategic and analytical role within the department to enhance profitability. 

Here’s what you can expect to be doing in the role:      
  • Represent Credit Risk within business strategy
  • Lead the Retail Credit Risk Policy and strategy to ensure a robust risk framework is in place to effectively manage risk within the company
  • Implement policies, strategies, and procedures to improve Debtors Costs and cash yields
  • Understand and execute the business short and long-term strategy within the Credit Risk team
  • Maintain a close working relationship with Finance to understand and act on write-off impacts
  • Collaborate with the Credit Operation management to execute effective strategies
  • Monthly review of all strategies and recommend changes
  • Establish and maintain appropriate governance
  • Participate in the recruitment and talent management process within Credit Risk
  • Be able to build forecast and analytical models within the Credit Risk environment
  • Be skilled in SQL and data analytics to assist Credit Risk team
  • Keep close to regulatory changes relevant to credit risk and the portfolio
  • Some travel to Johannesburg and Durban will be required


A little about who you are:
  • A numerate degree e.g. BCom, B Bus Sci, B Eng, BSc
  • A minimum of seven years’ experience in Credit Risk
  • Experienced in managing a team of analysts
  • Advanced computer literacy skills with high proficiency in MS Excel
  • Sound understanding of provisioning and IFRS 9
  • The ability to integrate and interpret numerical and statistical information
  • SQL skills preferable
    • Flexible benefits to structure your own package
    • Creative agile work environment
    • Flexible working hours
    • Café and lounge area
    • Staff restaurant with a variety of healthy meal options

      Posted on 14 Aug 15:31

      Home Choice

      The HomeChoice Group is a leading credit-based direct marketing retailer selling homeware merchandise and financial services to the expanding urban middle-income mass market in southern Africa.

      View company profile

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