{"id":2833552,"url":"https://alion.io/job/old-mutual-limited-credit-manager","title":"Credit Manager","company":{"id":5366,"name":"Old Mutual Limited","domain":"oldmutual.com","url":"https://alion.io/company/oldmutual","size_band":"5000+","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"A","score":90,"open_postings":46,"ghost_share":0,"stale_share":0.609,"repost_share":0,"time_to_fill_p50_days":11,"computed_at":"2026-10-22T06:10:10Z"}},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Windhoek, Namibia"],"countries":["NA"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":19000,"max_usd":43000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":7105},"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Excel","optional":false}],"status":"live","first_seen_at":"2026-10-13T00:00:00Z","employer_posted_date":"2026-10-13","last_verified_at":"2026-10-21T22:33:38Z","board_verified":true,"closed_at":null,"days_open":9,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":9},"description":"Lets Write Africa's Story Together!\nOld Mutual is a firm believer in the African opportunity and our diverse talent reflects this.\nJob Description\nMinimum Requirements:\nNamibian Citizenship.\nB Com or Relevant Degree / NQF Level 7.\n5 - 8 years experience in Banking, Credit or Finance.\nExperience in Banking or Credit will be an added advantage.\nAt least 2-3 years' managerial experience.\nAdvanced Microsoft Excel skills.\nGood interpersonal communication skills.\nAbove average numerical ability.\nAbility to work under pressure.\nManagerial experience with ability to guide/ coach.\nStrong team player.\nJob Description:\n1. Credit and Business Risk Management\nDevelop, implement, and maintain the credit risk strategy, framework, policies, procedures, and lending standards.\nIdentify, assess, monitor, and report on credit risk and other relevant business risks across the organization.\nManage credit assessments at employer and customer segment levels to ensure sound credit decision-making.\nEvaluate and approve credit applications within delegated authority and recommend high-risk exposures for higher-level approval.\nMonitor employer limits, customer creditworthiness, portfolio quality, and exposure concentrations, recommending appropriate risk mitigation actions where necessary.\nEnsure consistent application of credit policies, processes, and regulatory requirements throughout the business.\nDevelop, maintain, and enhance credit scoring models and risk assessment methodologies.\nConduct portfolio reviews and market intelligence analysis to identify emerging risks, opportunities, and industry trends.\n2. Credit Portfolio Oversight\nMonitor the performance, quality, and risk profile of the loan portfolio against approved risk appetite and business objectives.\nAnalyze portfolio trends, arrears, impairments, provisioning requirements, and other key risk indicators.\nIdentify and manage problem accounts, employers, or segments and collaborate with the Collections Manager on recovery and provisioning strategies.\nMonitor concentration risks across products, sectors, customer segments, and geographic areas.\n3. Governance, Compliance, and Control\nEnsure compliance with internal policies, regulatory requirements, applicable legislation, and audit standards.\nMaintain effective controls and governance processes across the credit lifecycle.\nSupport internal and external audit reviews and ensure timely implementation of agreed actions.\nEnsure accurate documentation, record-keeping, and audit trails for all credit-related decisions and processes.\nReview and maintain credit, collections, and other related policies to ensure continued relevance and effectiveness.\n4. Reporting, Analytics, and Management Information\nPrepare and present accurate, timely, and insightful credit and business risk reports to management, committees, and other governance forums.\nDevelop and maintain dashboards, scorecards, and performance metrics to support informed decision-making.\nConduct trend analysis and provide recommendations to optimize portfolio performance and mitigate risk.\nReport on portfolio quality, credit exposures, impairments, provisioning, and other key risk indicators.\n5. Stakeholder and Relationship Management\nBuild and maintain effective relationships with internal and external stakeholders, including Sales, Finance, Operations, Risk, and Executive Management.\nProvide expert guidance and advice on credit risk, lending decisions, and portfolio management matters.\nMaintain and manage relationships with relevant third-party service providers, credit bureaus, regulatory bodies, and other business partners.\nFoster effective communication and collaboration across the business and wider group to support strategic and operational objectives.\n6. Leadership and People Management\nLead, coach, and develop the Credit team, including Credit Analytics and Credit Origination functions.\nSet performance goals, monitor productivity, and ensure alignment with departmental and business objectives.\nPromote a culture of accountability, collaboration, continuous improvement, and high-performance.\nIdentify capability gaps and implement training and development initiatives to strengthen team effectiveness.\n7. Strategic Initiatives and Continuous Improvement\nDrive continuous improvement of credit management processes, systems, and controls.\nSupport automation, digital transformation, and data analytics initiatives that enhance efficiency, customer experience, and reporting accuracy.\nManage and deliver credit-related projects and strategic initiatives delegated by the Senior Management.\nPromote data-driven decision-making and innovation across the credit function.\nnaSkills\nCompetencies\nBuilds Effective TeamsBusiness InsightCommunicates EffectivelyCustomer FocusDirects WorkDrives ResultsEnsures AccountabilityFinancial AcumenEducation\nBachelor of Commerce (BCom)Closing Date\n26 October 2026 , 23:59The Old Mutual Story!","description_format":"text","description_chars":4937,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Commercial & Retail Banks","Property & Casualty Insurance","Asset Management & Funds","Life Insurance & Annuities"],"lifecycle":[{"event":"open","at":"2026-10-19T04:13:39Z"}],"visa":[],"liveness":{"score":42,"band":"fade","label":"Fading","p_open":1,"p_active":0.554,"p_room":0.75,"age_days":9,"expected_fill_days":11,"reasons":["conf:7","stale_co","win:late","comp:brand"],"computed_at":"2026-10-22T06:10:10Z"},"pay":null,"html_url":"https://alion.io/job/old-mutual-limited-credit-manager","json_url":"https://alion.io/job/old-mutual-limited-credit-manager.json","meta":{"generated_at":"2026-10-22T09:29:42Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":6314,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-23T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":5366},"rest":"https://alion.io/mcp/rest/get_company?id=5366"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fold-mutual-limited-credit-manager"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fold-mutual-limited-credit-manager"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fold-mutual-limited-credit-manager"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/old-mutual-limited-credit-manager\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fold-mutual-limited-credit-manager"}]}