Manager Financial Services - Clanwilliam at KAL Group

Job Specification

Reporting into the Group Manager Financial Services, the incumbent will play an integral part in managing the credit risk for the group within a region. You will be a subject matter expert, managing the credit approval process, corporate governance compliance and the credit pipeline activities for specific portfolios. Responsibilities include proper implementation of the credit system and the presentation of credit related reports.

Minimum Requirements

• BCom Degree with financial subjects
• 4 years related experience in an agricultural retail sector
• Ability to effectively communicate and/or negotiate with high level of proficiency at all levels
• Extensive knowledge of credit management processes and controls

Key performance indicators

The GOLD business imperatives displayed below are to be used as key indicators in sourcing competent candidates for this critical role.
Growth

• Implementation of appropriate application scorecards and affordability models
• Ability to execute in a diverse environment by building a deep understanding of the company's products and consumers to develop narratives that translate those concepts to broad consumer audiences and customer experiences
• Lowering debt risk through negotiating increased securities

Optimisation

• Execute the lending portfolio and continually optimize risk strategy for acquisition, fraud, and collection
• Utilise statistical and segmentation tools to develop/optimize acquisition risk strategies for loan products

Leveraging Culture & Diversity

• Ability to lead a high impact team and collaborate with different stakeholders
• Ensures a sound credit risk management culture through awareness amongst the internal and external stakeholders

Digital Transformation

• Driving the automation/optimization of credit management processes and control platforms
• Develop consumer-facing content across a variety of segments to publicise the company's products & brands

Key leadership attributes

The incumbent would need to have the ability to progress and add continuous incremental value – having impact!

• Dealing with complexity
• Sound pragmatic judgement
• Self - awareness
• Achievement orientation
• Deal with conflict