Credit Vetting Operations Manager: CEC at Blue Label Telecoms

JOB PURPOSE

The Credit Vetting Operations Manager is responsible for supervising and leading a team of credit vetting professionals to ensure that all credit applications are effectively and efficiently vetted and assessed in accordance with company policies and procedures. The incumbent will also be responsible for identifying areas of improvement and implementing changes to improve the credit vetting process.

RESPONSIBILITIES

Credit Vetting

• Responsible for designing, implementing, operating and continuously improving the back office systems and processes
• Design and continuously improve existing and new business processes
• This includes selecting the IT systems that support day-to-day operations; outlining process flows, defining operating rules and policies, assigning operational roles and responsibilities, integrating manual operations with IT systems and defining performance metrics
• Run day-to-day underwriting and collections
• Keep track of performance metrics, taking corrective actions, analyzing bottlenecks and implementing solutions that bring process performance to the next level
• Managing the entire back office processes implies overseeing a wide range of operational activities alongside managing customer relationships
• These include but are not limited to: performing credit analysis, establishing direct communication channels with applicants and borrowers, issuing loan agreements

Reporting

• Provide regular reports to the Financial Executive on the performance of the credit vetting team
• Maintain and investigate current reporting with a key focus on improving reporting to the executive team
• Development of new and dynamic reports based on key data insights and analytics performed
• Perform other duties as assigned by the accountable relevant executive

Governance and Compliance

• Ensure compliance with all relevant regulatory and legal requirements
• Ensure that data handling practices adhere to data governance policies and relevant regulations, such as to protect data privacy and security

Team Management

• Supervise a team of credit vetting professionals and organize their workflow to ensure timely delivery of quality credit decisions
• Ensure that all credit vetting procedures and policies are being adhered to by the team
• Conduct regular training sessions for the credit vetting team to ensure that they are up to date with new policies and procedures

Work Collaboratively

• Manage upstream and downstream partners involved in the delivery of the credit vetting service – Manage and drive relevant KPI’s across these partners to CEC
• Recognize outcomes which resulted from effective collaboration between teams
• Build co-operation and overcome barriers to information sharing, communication and collaboration across the organization
• Build a culture of respect and understanding across the organisation
• Facilitate opportunities to engage and collaborate with stakeholders to develop joint solutions

Self Management

• Demonstrate consistent application of internal procedures
• Plan and prioritize, demonstrating abilities to manage competing demands
• Demonstrate abilities to anticipate and manage change
• Demonstrate flexibility in balancing achievement of own objectives with abilities to understand and respond to organizational and team needs
• Follow through to ensure that personal quality and productivity standards are consistently and accurately maintained

Requirements:

BEHAVIOURAL COMPETENCIES

• Communicates Effectively
• Ensures Accountability
• Decision Quality
• Financial Acumen
• Instills Trust
• Collaborates
• Customer Focus
• Situational Adaptability
• Balances Stakeholders

SKILLS

• Risk Management
• Reporting
• Underwriting Management
• Analyze Alternatives and Recommend Solutions

EDUCATION

• Matric
• Bachelor’s degree in commerce or finance, non-negotiable
• Honours / Masters degree will be advantageous

EXPERIENCE

• A minimum of 5 years of experience in credit vetting and assessment
• At least 3 - 5 years of experience in a managerial or similar role