Credit Head

Job Description

To lead, execute, and continuously refine the Credit Risk strategy in alignment with the organisation’s credit ethics and broader business objectives. This role is accountable for optimising the return on capital employed by ensuring prudent credit risk management practices, maintaining portfolio quality, and enabling sustainable growth. Provides strategic direction, oversees credit governance frameworks, and ensures effective risk mitigation across all credit portfolios. This includes influencing policy, guiding cross-functional teams, and leveraging data-driven insights to balance risk and reward, while supporting business agility and resilience in a dynamic operating environment.

Hello Future Credit Head

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.

As part of our team in FNB Private Credit, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

Location:

Western and Eastern Cape Region

Are you someone who can:

• Identify potential financial risk that the annual business plan might bring about and ensure measures are taken to manage that risk against the financial expenditure budget
• Create, analyse and interpret budget Variance Reports to ensure financial planning and accruals are adjusted to accommodate changes in business operations
• Increase operational efficiency and suggest solutions to enhance cost effectiveness control costs for business area
• Monitor revenue growth for applicable income streams
• Determine targets for revenue growth Identify and implement on opportunities for revenue growth
• Contribute to the development of larger overall area budget
• Develop the budget for the next financial year for area of responsibility taking all operational plans into consideration
• Research and design a longer-term financial resource requirement plan for the area of responsibility
• Present the business case to motivate for financial resources
• Analyse and develop implementation plan against the forecasted financial budget
• Develop tactical budget for area of responsibility that minimise expenditure and manage costs
• Control the budget for area including the authorisation of expenditures and implementation of financial regulations
• Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in
• Engage in cross-functional relationships to obtain and to provide work support
• Contribute to sustaining a competitive edge through external networking, benchmarking and representation on related forums
• Apply a customer-centric approach that focuses on creating a positive experience for the customer by maximising service and/or product offerings and building relationships
• Ensure that the customer is at the centre of the business philosophy, operations and ideas
• Design and deliver customer service solutions, systems and interactions aligned to Organisational values and service standards
• Establish, manage and maintain sound relationships with stakeholders based on trust that builds the brand

You will be an ideal candidate if you:

• Drive continuous improvement in customer service delivery that prevent problems from arising in the future in a proactive manner Implement service delivery and efficiency models
• Enhance the service experience by ensuring the alignment of multiple service delivery processes and channels, and putting the customer first Introduce best practice customer service solutions and efficiency models
• Monitor and evaluate all customer touch points to ensure the effectiveness of customer experience
• Maintain expert knowledge on relevant legislative amendments, industry best practices and provide of advice to relevant stakeholders
• Maintain up to date knowledge of local and global trends
• Provide thought leadership and expertise
• Provide input into, and implement, corporate governance, compliance, integrity and ethics policies in are of accountability to identify and manage risk exposure
• Stay abreast of relevant industry risk management best practices and legislative amendments and suggests ways to leverage these to ensure continuous improvement
• Create risk awareness and manages audit findings Participate in Group risk forums where required and cascades relevant information through team
• Ensure integrated view and reporting of relevant business information
• Analyse information to identify trends, discrepancies and inconsistencies for decision making purposes Ensure reporting of identified inconsistencies or opportunities
• Use the insights gained through integrated business reports to measure success and realign tactical strategy implementation objectives appropriately
• Understand the competency and skills set to be mastered to ensure personal and employee development and performance
• Identify development needs and select effective solutions to address own and employee development needs to facilitate improvement of self and team
• Ensure that each employee prepares a personal development plan that is implemented and reviewed as required
• Create an environment conducive to cross-functional skills transfer
• Keep abreast of learning opportunities, changing products and trends
• Provide guidance, share knowledge and expertise and guide employees to find their own solutions.
• Share constructive feedback that motivates others to grow
• Manage performance of team or teams in areas of responsibility against expected individual and team delivery targets

You will have access to:

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

We can be a match if you:

• Completed a Bachelor of Commerce with Honours in Finance or Mathematics
• Possess 6 to 8 years of Credit Risk experience
• Demonstrate 4 to 5 years of Profit and Loss Leadership experience
• Manage performance moderation, disciplinary action, recognition and retention processes in line with HR policies and procedures
• Build team succession plans for roles in own area and influence resource planning
• Ensure clear contracting and assessment of performance expectations in line with identified objectives and enable a learning and growth culture
• Implement people resource planning in line with delivery and performance objectives within budget and in partnership with specialised areas
• Implement talent management practices in line with HR policies and procedures
• Provide direction, coaching, and regular feedback to employees to improve performance and implement performance improvement initiatives
• Ensure that skills are transferred in specific function
• Ensure implement employment equity plan target achievement in all recruitment and employee movement activities Identify current and future human capital needs and skills requirements
• Ensure relevant resolution of conflict and respond to any complaints or concerns
• Establish an enabling climate and culture to energise employees, give meaning to work, minimise work disruption and maximise employee productivity
• Influence the development and enablement of a culture and climate where the organisational values are demonstrated and lived
• Influence the understanding and adoption of the organisational strategic direction

Apply now if you are interested in taking the next step. We look forward to engaging with you!

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

Important Closing Date Note

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

16/10/26

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.