Credit Vetting Operations Manager: Cec - Midrand, South Africa - Blue Label Telecoms

Thabo Mthembu

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Thabo Mthembu

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Description

JOB PURPOSE

RESPONSIBILITIES

Credit Vetting

  • Responsible for designing, implementing, operating and continuously improving the back office systems and processes
  • Design and continuously improve existing and new business processes
  • This includes selecting the IT systems that support daytoday operations; outlining process flows, defining operating rules and policies, assigning operational roles and responsibilities, integrating manual operations with IT systems and defining performance metrics
  • Run daytoday underwriting and collections
  • Keep track of performance metrics, taking corrective actions, analyzing bottlenecks and implementing solutions that bring process performance to the next level
  • Managing the entire back office processes implies overseeing a wide range of operational activities alongside managing customer relationships
  • These include but are not limited to: performing credit analysis, establishing direct communication channels with applicants and borrowers, issuing loan agreements

Reporting

  • Provide regular reports to the Financial Executive on the performance of the credit vetting team
  • Maintain and investigate current reporting with a key focus on improving reporting to the executive team
  • Development of new and dynamic reports based on key data insights and analytics performed
  • Perform other duties as assigned by the accountable relevant executive

Governance and Compliance

  • Ensure compliance with all relevant regulatory and legal requirements
  • Ensure that data handling practices adhere to data governance policies and relevant regulations, such as to protect data privacy and security

Team Management

  • Supervise a team of credit vetting professionals and organize their workflow to ensure timely delivery of quality credit decisions
  • Ensure that all credit vetting procedures and policies are being adhered to by the team
  • Conduct regular training sessions for the credit vetting team to ensure that they are up to date with new policies and procedures

Work Collaboratively

  • Manage upstream and downstream partners involved in the delivery of the credit vetting service
  • Manage and drive relevant KPI's across these partners to CEC
  • Recognize outcomes which resulted from effective collaboration between teams
  • Build cooperation and overcome barriers to information sharing, communication and collaboration across the organization
  • Build a culture of respect and understanding across the organisation
  • Facilitate opportunities to engage and collaborate with stakeholders to develop joint solutions

Self Management

  • Plan and prioritize, demonstrating abilities to manage competing demands
  • Demonstrate abilities to anticipate and manage change
  • Demonstrate flexibility in balancing achievement of own objectives with abilities to understand and respond to organizational and team needs
  • Follow through to ensure that personal quality and productivity standards are consistently and accurately maintained

BEHAVIOURAL COMPETENCIES

  • Communicates Effectively
  • Ensures Accountability
  • Decision Quality
  • Financial Acumen
  • Instills Trust
  • Collaborates
  • Customer Focus
  • Situational Adaptability
  • Balances Stakeholders

SKILLS

  • Risk Management
  • Reporting
  • Underwriting Management
  • Analyze Alternatives and Recommend Solutions

EDUCATION

  • Matric
  • Bachelor's degree in commerce or finance, nonnegotiable
  • Honours / Masters degree will be advantageous

EXPERIENCE

  • A minimum of 5 years of experience in credit vetting and assessment
  • At least 5 years of experience in a managerial or similar role

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