Head : Credit Risk – Banking (JHB / CPT)

The purpose of the job is to manage an end-to-end credit capability from design through to implementation and operational management. In this process, communicate to senior stakeholders such as regulators and senior management to demonstrate compliance and adherence to policy.

POSITION INFO :

• Set the credit strategy of the Company and develop the credit risk appetite in support of the business and product strategy.
• Develop policies, standards, and procedures to enable the business to control credit risk.
• Implement and design robust credit sanctioning and monitoring processes that are digital and require the deployment of advanced credit modeling techniques and methodologies such as machine learning.
• Manage the day-to-day operations related to credit-related processes in compliance with policies and regulations.
• Set up and implement a functional capability to perform day-to-day credit processes.
• Engage with regulators regarding the management of credit.
• Engage with the business on product design and credit.
• Implement analytical processes and procedures supporting the portfolio management of credit.
• Report on credit exposures to the various governance structures within the business such as the Risk and Capital Management Committee.
• Participate in the Risk Executive function in the business and contribute to the strategic direction of a digital-first risk capability.
• Ensure the credit processes are implemented at appropriate control points within the business.

Strategic

• Identifies, understands, and acts on broader opportunities in order to drive longer-term value-adding change. Identifies and acts on market and/or competitor trends/opportunities to set, develop, and drive out value-adding change. Applies judgment effectively.

Leading with Influence

• Influences and rallies people behind common goals and inspires others to exceed expectations. Actively supports the growth and performance of people around them. Communicates clear strategies and objectives for own function.
• Proactively establishes and maintains relationships. Values driven in relating to others. Engenders trust, respect, and the building of meaningful relationships across a variety of contexts.

Customer First

• Puts the customer at the heart of business decisions and drives to improve value for customers. Builds inspiring customer relationships.
• Being a customer champion and being responsive to customer needs to improve our speed to market.

Execution

• Displays consistent energy, drive, and perseverance in order to deliver results. Demonstrates a willingness to take calculated risks to achieve stretch performance goals.
• Demonstrates the ability to relate to challenges from a range of diverse but relevant perspectives. Generates creative/out-of-the-box solutions.
• Challenges the status quo and demonstrates the ability to relate to challenges from a range of diverse but relevant perspectives.
• Generates new perspectives that allow a more creative approach to be followed.
• Willing to take calculated risks when introducing novel ideas.

Personal Mastery (Learning)

• Learns and actively works to build self-awareness; develops through experience and feedback from others.
• Copes effectively with stress and has the resilience to take on stretching and challenging assignments which carry a risk of failure. Adjusts effectively to work within new structures, processes, requirements, or cultures.