Job DescriptionTo execute and manage the Credit Risk strategy with a view of maximising the return on capital employed whilst maintaining an acceptable level of risk in terms of the Company's credit ethics.Hello Future Credit HeadWelcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of the people that make it happen.As part of our team in FNB HSL, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now's the time to imagine your potential in a team where experts come together and ignite effective change.Are you someone who can help us achieve the following:Lending Strategy & Risk ManagementAlign lending strategy with FNB segment and FirstRand risk appetite framework.Monitor performance on portfolio and ensure remedial actions are implemented as needed.Develop data assets for insights into lending markets and risk metrics and proactive risk control.Test hypotheses to improve sales, profit, collection and lending objectives and insights.Financial PerformanceEnsure balance sheet growth as per financial performance reports.Reduce bad debts through effective lending principles.Develop and implement credit service models for different segments.Define and execute a credit portfolio growth strategy.Revenue & Risk ManagementOptimize revenue generation with sustainable risk-reward returns.Authorize high-risk, high-profit credit applications.Improve credit, pricing and property valuations decisions using automated and judgmental underwriting.Manage financial risks and adjust financial planning as needed.Revenue Growth & Financial PlanningMonitor and target revenue growth.Analyze and implement plans against financial forecasts.Create and interpret budget variance reports.Relationship & Customer ManagementBuild and manage relationships for knowledge sharing and buy-in across various operational areas.Engage in cross-functional relationships for work support and product and solution development.Ensure customer-centric business operations and service solutions.Enhance service experience with best practices and efficiency models.Workflow and SystemsEnsure credit, pricing, collections, property and capital and impairment workflows are efficient, on platform and remain relevant to manage customer experience and risk management.Ensure appropriate controls around Audit, Legal Risk and Compliance and Bureau utilisation.You will be an ideal candidate if you can master the following:Customer Experience & KnowledgeMonitor and evaluate customer touch points.Maintain expert knowledge of legislative amendments and industry best practices.Stay updated on local and global trends in the disciplines of risk and data and analytics.Provide thought leadership and expertise.Governance & Risk ManagementImplement corporate governance, compliance, integrity, and ethics policies.Stay abreast of industry risk management best practices and legislative amendments.Create risk awareness and manage audit findings.Participate in risk forums and cascade relevant information.Business Information & StrategyEnsure integrated reporting of business information.Analyze information to identify trends and inconsistencies.Use insights from business reports to measure success and realign strategies.Define and adjust lending strategies to align with market segments and client strategy.Credit & LendingAccountable for all models used in credit space.Integrate a credit decision service model for customer segments.Provide tailored credit solutions while adhering to risk metrics.Balance policies and mandates between segment needs and risk metrics.Team & Talent ManagementCreate an environment for cross-functional skills transfer.Share constructive feedback to motivate growth.Manage performance, disciplinary actions, recognition, and retention.Build team succession plans and influence resource planning.Implement talent management practices and ensure employment equity targets are met.You will have access to:Opportunities to network and collaborate.A challenging and rewarding working environment.Opportunities to innovate.We can be a match if you:Have BCom or BSc in Mathematics or Actuarial Science or Finance.Have 8+ years Credit Risk experience in a senior role.Have 5-6 years Profit and Loss Leadership experience.Apply now if you are interested in taking the next step. We look forward to engaging with you!All appointments will be made in line with FirstRand 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.Job DetailsApplication Closing Date: 31/08/24Introduce yourself to our recruiters and we will get in touch if there's a role that seems like a good match.Should you have any queries, please log it via MyQ.About UsServing retail and commercial customers, FNB is so much more than a bank, offering life and short-term insurance, innovative savings and investment products, and a digital universe of solutions that help customers navigate challenges and opportunities of everyday life. It has a market-leading app and a globally recognised rewards system in eBucks. FNB has won multiple awards, including the Strongest Banking Brand in the World in the Brand Finance Banking 500 2023 report. FNB represents multiple opportunities for you to build an exciting and rewarding career. Especially if you want to change people's lives, in an authentic, profound and sustainable way.
#J-18808-Ljbffr
