Credit Head

** Hello,
** future Credit Head
** Role purpose**- Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in
- Apply a customer-centric approach that focuses on creating a positive experience for the customer by maximizing service and/or product offerings and building relationships
- Enhance the service experience by ensuring the alignment of multiple service delivery processes and channels, and putting the customer first Introduce best practice customer service solutions and efficiency models
- Monitor and evaluate all customer touch points to ensure the effectiveness of customer experience
- Maintain expert knowledge on relevant legislative amendments, industry best practices and provide of advice to relevant stakeholders
- Maintain up to date knowledge of local and global trends
- Understand the competency and skills sets to be mastered to ensure personal and employee development and performance
- Create an environment conducive to cross-functional skills transfer

Provide guidance, share knowledge and expertise and guide employees to find their own solutions
- Ensure that skills are transferred in specific function
- Ensure implement employment equity plan target achievement in all recruitment and employee movement activities Identify current and future human capital needs and skills requirements
** Qualifications and experience**
* *
* Minimum qualification:

** Bachelor’s degree in Actuarial Science, Mathematics, or related qualification
* ** Preferred qualification:
** A relevant Honours degree
* A minimum of 6–8 years in Credit Risk Data Analytics, with proven ability to manage and execute credit risk strategies.
* At least 4–5 years’ profit and loss leadership experience at a strategic level, including budgeting, forecasting, and financial performance management.
* Strong background in analysing and managing financial and credit risk within a corporate environment.
* Solid understanding of credit risk principles, return on capital, and corporate credit ethics.
* Knowledge of compliance, governance, legislation, and industry risk‑management standards.
* Proven experience in leading, developing and managing team performance, including succession planning and capability building.
* Advanced analytical and quantitative capability, with strength in interpreting complex financial and operational data.
* Ability to identify opportunities for revenue growth and drive cost‑efficiency initiatives.

All appointments will be made in line with First Rand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

Introduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.

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