Credit Manager

• Lead the day-to-day operations of the credit department, ensuring timely handling of queries, reviews, and escalations.
• Run due-diligence and credit approval processes in line with internal policies and regulatory expectations.
• Monitor portfolio performance; conduct risk assessments, early-warning analysis, and periodic stress testing.
• Maintain and enhance credit policies, procedures, and limits; drive continuous improvement across processes and tooling.
• Collaborate with internal stakeholders to balance risk, commercial growth, and client experience.
• Prepare management information packs and present insights to senior leadership and relevant committees.
• Stay current on market trends and regulatory updates; recommend policy and appetite adjustments where needed.
• Coach, mentor, and develop team members, setting clear objectives and performance standards.

• Strong analytical skills with advanced Excel/data proficiency and sound judgement in decision-making.
• Clear communication and stakeholder management skills, with the ability to challenge constructively.
• Excellent organisation and time management; dependable under deadlines and comfortable working autonomously.
• A results-driven mindset with high attention to detail and control.

• 5+ years experience in credit management or closely related roles within banking/financial services.
• Bachelors degree in Finance, Economics, Business, Accounting, or a related field (post-grad/ACCA/CFA is a plus).
• Demonstrable experience leading credit processes and guiding junior team members.

R77 Global