Senior Manager Credit Support at Nedbank

Job Purpose

• To lead and execute the quality assurance, back‑testing, and credit verification function across Personal & Private Banking credit products.
• The role ensures that credit assessment decisions adhere to policy, identifies trends and exceptions, strengthens affordability logic, and provides a feedback loop to support automation enhancements.
• This role is critical to mitigating credit risk, improving decision quality, and enabling a consistent, policy‑aligned credit assessment environment.

Job Responsibilities

Quality Assurance & Policy Adherence

• Conduct back‑testing of credit assessment decisions across PPB products (Home Loans, Vehicle Finance, Credit Cards, Personal Loans).
• Identify policy deviations, rule overrides, affordability gaps, and control breakdowns.
• Develop and maintain a sampling methodology and assurance framework for ongoing monitoring.
• Produce clear, auditable evidence of findings and ensure corrective actions are implemented.

Credit Verification (Approval to Registration Cycle)

• Perform verification on approved cases where conditions may change prior to loan registration (e.g., income changes, affordability deterioration).
• Investigate discrepancies proactively and escalate material risks.

Automation & Affordability Model Support

• Provide a structured feedback loop into automation teams, data teams, and affordability model owners.
• Highlight patterns emerging from QA (e.g., income anomalies, behavioural trends, system gaps).
• Recommend enhancements to data usage, rules, and calculation logic based on ground‑level insights.

Reporting, Insights & Decision Support

• Prepare and present high‑quality analytical reports to senior stakeholders, including Credit Heads and functional leads.
• Identify trends, systemic issues, and improvement opportunities across channels and products.
• Translate complex findings into practical operational and strategic recommendations.

Stakeholder Management & Collaboration

• Engage consistently with multiple stakeholders (Sales, Credit Executives, Legal, Technical/Model teams).
• Build strong relationships to resolve issues, close gaps, and drive adoption of QA insights.
• Provide constructive feedback to assessment teams to improve judgement, consistency, and policy alignment.

Operational Governance & Continuous Improvement

• Contribute to enhancing credit processes, controls, and governance frameworks.
• Participate in initiatives aimed at improving decision quality, turnaround time, and risk mitigation.
• Maintain awareness of PPB policies, risk appetite, regulatory requirements, and system changes.

Leadership & Functional Ownership

• Own the QA/verification function end‑to‑end, operating with autonomy and setting standards for the discipline.
• Provide coaching, guidance and upliftment to team members or dotted resources where applicable.
• Drive a culture of continuous improvement, accountability, and collaboration.

Essential Qualifications - NQF Level

• Diploma

Preferred Qualification

• Degree in Finance, Business, Risk Management, Administration, or a related discipline.

Minimum Experience Level

• 5+ years experience in a banking credit assessment environment (mandatory).
• Experience performing quality assurance, back‑testing, or verification of credit decisions.
• Exposure to multiple PPB products advantageous.
• Experience engaging and influencing senior stakeholders and cross‑functional teams.
• Demonstrated ability to operate independently and drive processes without oversight.

Technical / Professional Knowledge

• Business administration and management
• Change management
• Client service management
• Communication Strategies
• Consumer behaviour
• Financial Accounting Principles
• Governance, Risk and Controls
• Strategic planning
• Management information and reporting principles, tools and mechanisms
• Diversity management

Closing date: 29 January 2026