Job Description

To evaluate a portfolios risk, makes final credit decisions, interacts with other departments regarding credit strategy, manage, coach and mentor team

Hello Future Senior Retail Credit Manager

Welcome to FNB, where we believe help is at the heart of human greatness. Our vision is to be a great business helping to create a better world.

As part of our talent team, 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.

Role Overview:

To evaluate a portfolio’s risk, make final credit decisions, interact with other departments regarding credit strategy, manage, coach and mentor team.

Are you someone who can:

Drive an Increase in average balance of assets as defined in the Financial Performance Report of the business.Reduce percentage of non-performing loans as a percentage of total performing book based on the business` performance.Reduce Bad debts as a percentage of performing loans utilization based on effective lending principals applied during approval.Deliver exceptional Credit service that exceeds customers' expectations through proactive, innovative and appropriate solutions.Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, SME's, project managers and senior staff members.Maintenance of expert knowledge on relevant legislative amendments, industry best practices and provision of proactive advice and solutions to relevant stakeholders.Ensure average approval turn­around time against target to ensure retention of clients.Consistent focus on timeous and quality credit approvals.Review and update Retail Credit Policy.Perform data analytics to identify and take action on emerging trends in the Advances book.

You will be an ideal candidate if you:

Relevant Business or Commerce Degree3-5 years relevant experience in a similar environment and/or management levelExcellent analytical and communication skillsAbility to build and maintain professional relationships with key stakeholders

You will have access to:

Opportunities to network and collaborateChallenging Working EnvironmentOpportunities to innovate

We can be a match if you are:

Always doing the right thing – Fight for ethical conduct and transparency, both inside and outsideCurious – Believe in insight, creativity, and its power to unlock valueDeeply Invested – Take initiative and be a leader in your own rightValuing differences – Be inclusive, gracious, decent, and humbleBuilding Trust not Territory – Crete a culture of sharingCourages – We’ve built a culture of bravery by speaking our minds and encouraging others to do the same

Are you interested to take the step? We look forward to engaging with you further. Apply now!

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Job Details

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

07/02/25

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.