Job Description
- The purpose of this role is to lead and coordinate the daily operations of the Loan Management Unit (LMU), ensuring that all loan-related activities are executed with precision, efficiency, and compliance. This includes overseeing the end-toend loan administration process, from disbursement to repayment, while maintaining high standards of data integrity, client service, and regulatory adherence.
Key Responsibilities
Key Performance Areas:
Loan Administration and Processing
- Ensure that all loan disbursements, repayments, interest, and fees are processed accurately and on time to maintain the financial integrity of the loan book. Errors in processing can lead to incorrect balances, client disputes, and financial misstatements.
- Prevent financial discrepancies and support accurate financial reporting as accurate loan data feeds directly into financial statements. Discrepancies can result in audit findings, regulatory penalties, or loss of investor confidence.
- Maintain client trust by ensuring their loan accounts are correctly managed. Mistakes can damage relationships, lead to reputational harm, and increase customer churn.
Compliance and Risk Management
- Ensure adherence to internal credit policies and external regulatory requirements, as failure to meet legal and policy standards can result in fines, sanctions, or license revocation.
- Minimise legal and reputational risks through proper documentation and control to protect the DBSA in the event of disputes, audits, or investigations.
- Support audit readiness and strengthen governance, which are essential for stakeholder confidence an operational credibility.
Client Request and Waiver Management
- Maintain transparency and accountability through proper tracking and documentation, reducing the risk of internal or external challenges.
- Support relationship management and reduce the risk of disputes through proactive and professional handling of exceptions to prevent misunderstandings and legal conflicts.
Fund Disbursement and Billing Oversight
- Ensure that funds are disbursed according to approved terms, avoiding delays or errors, which is essential for client satisfaction and project execution. Errors can delay operations and damage trust.
- Conduct reconciliations to ensure that client accounts reflect true balances, reducing audit risks. Regular reconciliations catch discrepancies early, ensuring clean books and reducing the risk of audit findings or financial restatements.
Reporting and Data Integrity
- Provide leadership and stakeholders with insights into loan portfolio performance, arrears, and operational metrics to support strategic decisions, risk management, and performance tracking.
- Ensure data accuracy in systems like SAP, which is critical for compliance, reporting, and decision-making
- Support strategic planning and operational efficiency to enable forecasting, resource planning, and continuous improvement initiatives.
Process Improvement and Innovation
- Identify inefficiencies and implement solutions to streamline operations to reduce waste, improve turnaround times, and enhance service delivery.
- Support scalability and adaptability in a changing financial environment. As the business grows or regulations evolve, agile processes ensure the team can adapt without compromising quality.
Operational Execution and Planning
- Ensure that team operations are conducted effectively and efficiently, optimising the use of resources to achieve organisational goals.
- Analyse existing workflows and processes to identify areas for improvement and implement changes that enhance productivity and reduce waste.
- Prioritise tasks and allocate resources strategically, ensuring that team members have the tools and information they need to perform their duties effectively.
- Promote best practices and continuous process improvement by driving efficiencies that result in cost savings and enhanced service delivery.
- Monitor operational performance through key metrics and adjust strategies as necessary to maintain o improve output quality and timely delivery.
Communication and Coordination:
- Ensure effective communication and seamless coordination within the team and across departments.
- Convey information, expectations, and updates to team members, ensuring they are well-informed and aligned with organisational objectives.
- Promote an open and inclusive communication environment where team members feel comfortable sharing ideas, feedback, and concerns.
- Coordinate activities with other teams or departments, facilitating collaboration to achieve shared goals.
- Act as a liaison and foster strong interpersonal relationships
- Utilise appropriate communication tools and platforms to maintain efficient and transparent information flow.
Team Leadership and Management
- Lead and manage the team to achieve high levels of performance and engagement.
- Set clear goals and expectations, providing guidance and support, and fostering a positive work environment that encourages collaboration and mutual respect.
- Actively monitor individual and team performance, provide constructive feedback, and recognise achievements.
- Facilitate professional development opportunities is essential to enhance team skills and competencies, including identifying training needs and supporting career growth.
- Ensure alignment with organisational goals and contribute to overall business success.
- Promote DBSA values and a culture of high performance through implementing performance management in line with the planned strategic objectives, goals, quality standards and agreed key performance measures using sound performance management principles.
- Contribute to building synergies & cooperation across functions in the DBSA.
- Live the DBSA values.
Key Measurements of Outputs:
- Percentage of loan transactions processed accurately
- Average turnaround time for loan processing
- Number of escalations or complaints
- Timeliness of report submissions
- Team productivity metrics
- Management of team performance, talent development, and succession planning using the performance management system
Expertise & Technical Competencies
Qualifications and Experience:
Minimum Requirements
- Bachelor’s degree in Finance, Credit Risk Management or a similar qualification.
Desirable Requirements
- Professional qualification such as CA(SA), ACCA, CIMA, CFA, SAIPA, or Credit Risk Management Certification.
- Postgraduate qualification (MBA)
- Knowledge of IFRS (especially IFRS 9).
Minimum Experience
- A minimum of 8 years of experience in loan administration, credit operations, or financial services support.
- Experience with transaction processing and client servicing in a banking or DFI environment is preferred
- Experience in working with loan management systems (e.g. SAP)
- Experience in a supervisory or team leadership role within a financial services or banking environment.
Deadline:9th February,2026
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