Job Title

Credit Portfolio Manager

South Africa, Gauteng
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R108333 - R108333 Per Month
Area: South Africa, Gauteng
Sector: All
Posted: 10 May 2024

Job Details

A digital bank with a strong entrepreneurial identity and a high-performance culture is looking for a Credit Portfolio Manager to play a pivotal role in assessing, analysing, and mitigating credit risks within the company’s portfolio of lending products. They will gain experience across multiple lending products currently offered by the organisation. 

They will have the ability to influence and contribute to all aspects of credit risk for the firm’s lending portfolio. This includes the management and defining the risk appetite, ensuring that credit processes and solutions are effective, that adequate controls are in place and that portfolios are controlled within the defined risk appetite. 

Location: Johannesburg, South Africa 


  • Monitor the performance of the company’s credit portfolios, identifying trends and potential risks, and recommending appropriate risk mitigation strategies 
  • Managing the strategic direction of the portfolio to maximising risk adjusted returns 
  • Prepare and present reports to senior management, highlighting key risk metrics, trends, and recommendations 
  • Managing model risk for the company’s credit portfolio 
  • Help drive RDARR compliance and ongoing improvements for the organisation 
  • Contribute to the efficacy of credit processes in the organisation and help shape the credit risk appetite levels 
  • Ensure optimal credit cut-off strategies are in place to optimise the profitability of the credit portfolios over the medium to long term 
  • Ensure the Credit Risk framework and related credit policies are aligned to regulatory developments, appropriate and effective, aligned to the overall objectives and strategic direction of the company and that portfolio and concentration risks are proactively managed 
  • Contribute to the development and implementation of credit risk strategy across the credit lifecycle 
  • Contribute towards ensuring that business lending plans for the organisation are appropriate and on track to deliver against expectations. This is done by reviewing and providing input to budgets, business cases, new credit products, pricing, target market criteria, credit marketing and advertising material, process changes, etc 
  • Have a thorough understanding of models that calculate the PD, EAD and LGD for both impairments and capital in the portfolio to ensure that appropriate capital and impairments are held on the portfolio 
  • Implement and monitor credit limit increase and decrease strategies on the existing portfolio to optimise profits 
  • Ensure effective, fit for purpose monitoring and accurate reporting for all products within the company’s credit portfolio 
  • Provide input to optimise customer payment strategies to prevent delinquency 
  • Assist, as necessary, in other areas of the company or on certain committees where skills 
    may be appropriate i.e. ALCO 


  • Bachelor’s degree in mathematics, statistics, data science, or a related quantitative field preferably with a suitable post-graduate qualification.  
  • 3-5 years’ experience in credit risk management. Experience across the credit value chain would be a strong advantage. (Unsecured Consumer and SME Credit portfolios preferable) 
  • Excellent communication and presentation skills, with the ability to convey complex concepts to non-technical stakeholders. 
  • Good interpersonal, communication and relationship building skills 
  • Analytical and critical abilities 
  • Disciplined and results orientated 
  • Ability to work independently and drive initiatives with enthusiasm 
  • Strives for continual learning and self-development  
  • Solution driven with the ability to explore new ideas and be open to innovation