Key Requirements: B -degree in Finance/Management/Strategy MBA / Masters / Post grad qualification in a related field would be advantageous 10 years experience in managing operations 10 years experience in credit and risk 5 years experience working with SMMEs Reporting to the CEO, this role will: Support the Chief Executive Officer and collaborate with the executive management team to define a strategy that achieves operational excellence, mitigates risk, and enables the achievement of the objectives Convert the strategy into an operational plan to achieve the business Take overall accountability for the operations and delivery of Execute on resource management and infrastructure for implementation of all products and services for clients, partners, and beneficiaries. Co-create and implement the governance structure for the management of risk with respect to the framework, policies, procedures, standards, systems, measurement, credit scoring and evaluation. Ensure compliance with regulatory requirements and organisational Manage all partners and suppliers on the platform inclusive of those on the procurement Enhance and improve all vendor, stakeholder and team relationships by providing guidance and training. Implement and manage the change strategy and reporting Provide support to Credit Management and act as a key member of the Credit Committee Skills and attributes: Leadership skills with the ability to delegate, motivate and inspire team members Strong planning, organisational and execution skills Strong entrepreneurial and commercial thinking Excellent attention to detail and problem-solving skills with an action orientation Highly analytical and decisive Excellent written and verbal communication skills Self-motivated and proactive Change management at an executive level Collaborative and able to build effective relationships Adept at formulating strategies and concepts High EQ and low ego Strategic Input Provide input to the strategy formulation process to achieve objectives Ensure that the company is well positioned to provide and manage loans and any other leading services Engage all stakeholders, role players and industry forums to understand changes to strategy, regulations, and markets Drive sustainable cost and processing efficiencies through continuous innovation, industry benchmarking and alignment to best practices Scan the external market to understand future challenges and opportunities, and trends Review the strategy to ensure alignment with the changing dynamics of internal and external ecosystems 2. Operations Management Formulate and implement the operational plans Implement performance controls to proactively measure achievement against strategic targets and address changes or non-performance Develop and implement all platforms and infrastructure to deliver all products and services Establish, manage and expand a network of direct and indirect resources through which to deliver the products and services of the company to its partners, clients and beneficiaries Maintain and re-negotiate contracts with service providers and suppliers in line with the strategic objectives Ensure rigorous cost management within the company by managing the approved Monitor and report all processes and instil discipline within the team around cost control Produce weekly and monthly reporting on operational business performance 3. Risk and Credit Management Take accountability for governance and risk Identify and document risks and drive actions to mitigate against these Drive a culture of proactive compliance and risk management with the executive team Implement effective corrective measures to ensure operational and credit controls and address negative budgetary variances. Ensure there is a whistleblowing process in place that is managed Set minimum standards for conduct and reputational risk Work with the executive team to embed a strong risk culture to identify, escalate and manage risk matters. Produce regular reporting on risk and Co-formulate and implement the credit scoring plans Work with the CEO and CFCO to operationalise the credit lending models and management of costs 4. Policies, Procedures, People and Infrastructure Design the business architecture and infrastructure for service Draft and design systems, processes, policies and ways of work to achieve the objectives of Establish appropriate governance structures to facilitate decision making, test controls and track performance. Together with the executive team determine the people management strategy Drive the overall resource agenda to ensure that the roll out of new resources are in line with the strategy, change management strategy and budget allocation. Take steps to establish and drive a high-performance culture by coaching and mentoring leaders and using the performance development framework. Establish and maintain a succession plan and talent pipeline for the key roles in the area and review and approve succession plans 5. Change and Innovation Strategy Research the SMME industry to identify opportunities for the company in line with its strategy Draft change strategies and plans for new products and systems that have been approved and signed off by the executive management team Leverage the network of partners and develop new systems, products, and services for multiple market segments across the spectrum of partners, clients, and Roll out and implement any new commercial models resulting in the improvements of the company
