Credit Manager

About This Role

This Credit Manager role involves overseeing credit and business risk management, developing and implementing credit strategies, and ensuring compliance with policies and regulations. The position requires strong leadership to guide and develop the credit team, while also driving continuous improvement in credit management processes.

Responsibilities

• Develop, implement, and maintain the credit risk strategy, framework, policies, procedures, and lending standards
• Identify, assess, monitor, and report on credit risk and other relevant business risks across the organization
• Manage credit assessments at employer and customer segment levels to ensure sound credit decision-making
• Evaluate and approve credit applications within delegated authority and recommend high-risk exposures for higher-level approval
• Monitor employer limits, customer creditworthiness, portfolio quality, and exposure concentrations, recommending appropriate risk mitigation actions where necessary
• Ensure consistent application of credit policies, processes, and regulatory requirements throughout the business
• Develop, maintain, and enhance credit scoring models and risk assessment methodologies
• Conduct portfolio reviews and market intelligence analysis to identify emerging risks, opportunities, and industry trends
• Monitor the performance, quality, and risk profile of the loan portfolio against approved risk appetite and business objectives
• Analyze portfolio trends, arrears, impairments, provisioning requirements, and other key risk indicators
• Identify and manage problem accounts, employers, or segments and collaborate with the Collections Manager on recovery and provisioning strategies
• Monitor concentration risks across products, sectors, customer segments, and geographic areas
• Ensure compliance with internal policies, regulatory requirements, applicable legislation, and audit standards
• Maintain effective controls and governance processes across the credit lifecycle
• Support internal and external audit reviews and ensure timely implementation of agreed actions
• Ensure accurate documentation, record-keeping, and audit trails for all credit-related decisions and processes
• Review and maintain credit, collections, and other related policies to ensure continued relevance and effectiveness
• Prepare and present accurate, timely, and insightful credit and business risk reports to management, committees, and other governance forums
• Develop and maintain dashboards, scorecards, and performance metrics to support informed decision-making
• Conduct trend analysis and provide recommendations to optimize portfolio performance and mitigate risk
• Report on portfolio quality, credit exposures, impairments, provisioning, and other key risk indicators