Head - Asset Finance Credit

Head - Asset Finance Credit

Fast paced and innovative bank seeks seasoned Credit professional. Pivotal role to manage and lead Credit for the Asset Finance business. Design and implement the digital Credit strategy. Manage all the Credit Risks for loans and advances generated by Asset Finance. Exciting opportunity. Great culture.

Main Responsibilities:

• Manage the entire Credit process and area for the Asset Finance business.
• Pivotal role to establish and grow the digital lending goals and be hands-on in managing the business.
• Develop and implement strategy for Asset Finance Credit.
• Ensure Credit Risks are managed within the parameters.
• Ensure that clients with an acceptable credit quality are onboarded.
• Manage the post implementation risk profile of clients.
• Maximise recoveries on defaulting clients. Liaise with legal, collections or workout team.
• Optimise processes, policies, and procedures.
• Ensure high levels of productivity without adversely affecting risk assessment or client experience.
• Participate in the impairments process and manage expected losses.
• Develop a high performance and proactive culture in the Credit team.
• Develop and implement the Credit strategy for digital lending across Asset Finance business.
• Implement a new operating model for Digital Credit aligned to target customers.
• Manage and roll-out revolutionary Digital credit landscape.
• Oversee the technical area of digital credit. Supervise and monitor digital credit.
• Contribute to strategic plan, business development, capacity building and innovation.
• Partner with Head of Asset Finance and relevant stakeholders in the business to ensure credit processes, policies and infrastructure are enabled.
• Support the growth and development of the Asset Finance business.
• Proactively partner with various Heads to monitor and manage the Asset Finance portfolio.
• Develop, manage and recalibrate the credit scoring model.
• Exercise own mandate to approve or reject loan requests, based on the creditworthiness.
• Manage the teams who evaluate and assess the creditworthiness.
• Evaluate the overall Credit Risk in Asset Finance portfolios such as scorecard and manual decisions.
• Lead and motivate a cohesive team
• Other key responsibilities to be discussed at interview stage.

Qualifications and Experience:

• Business degree ess. MBA an advantage.
• 10 to 15 years Credit Mgt exp in Banking ess.
• Exp in Asset Finance and Equip Rental finance ess.
• Digital Credit and AI / ML exp advantageous.

Should you be interested in the opportunity:

• Please submit your CV via the link. You will be directed to our database Ditto.
• For queries, please contact Bev at SET on .
• Looking forward to hearing from you.