Join to apply for the Credit Segment Head role at Total Recruitment Solutions.PURPOSE OF THE ROLETo evaluate and manage the credit and associated risks within an allocated portfolio combined with that of the relevant segment/s. To effectively integrate, manage and control the credit function by ensuring that quality of credit risks across the segment/s are maintained, thereby minimising the risk of loss through bad debts, while maximising profits. To provide leadership by inspiring, energising and driving a team of Credit and Senior Credit Manager/s to deliver on their respective objectives. To ensure that the core deliverables of Credit is achieved and maintained.KEY DELIVERABLES/OUTPUTSSupport the development of the Credit strategy by ensuring that COMPANY remains abreast of industry developments, both within and outside the bank, as well as alignment to the overall Bank's strategy.Implementation and management of the strategy in keeping with the banks defined appetite for risk and ensuring appropriate approval at all mandate levels.Building and managing relationships across all key stakeholders and actively participating in the various forums including CCC, Credcom and Collections.Ongoing evaluation and review of changing profile of the COMPANY book over time with a view to ensure that appropriate credit assessment and control processes are in place.Manage the credit risks associated with various functions within the bank including direct decision making responsibilities within pre-defined mandate levels.Implement, manage and control the "B Watchlist" to identify risk issues at an early stage where bad debts can be minimised.Support the operational budget process for the department and manage costs in line with the greater Bank's objective/s.Provide inputs and manage ongoing updates to the Credit policies and procedures.QUALIFICATIONS/EXPERIENCEFormal Education or NQF Equivalent Relevant BCom Degree and/or CAIB qualification. Experience gained within the Financial Services Sector. At least 3 years experience at Senior Management Level. 7 years Credit Management experience – credit experience must be at a senior credit manager level and have focused within the Commercial, Business and Commercial markets.KEY COMPETENCIESPersuasive and excellent negotiation skills.Strong conflict management skills.Sound relationship building and interpersonal skills.Analytical and observant.Excellent verbal and written communication skills.Proven leadership and management skills.Problem solving and holistic thinking abilities.Computer literacy (intermediate – Word, Excel).SENIORITY LEVELDirectorEMPLOYMENT TYPEFull-timeJOB FUNCTIONFinance and SalesINDUSTRIESBanking
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