The Executive: Credit and Collections, reporting to the Chief Executive Officer (CEO), is responsible for leading and directing the performance, quality, and sustainability of the NHE lending book, driving credit risk strategy, collections, recoveries, and policy frameworks to minimise credit exposure, strengthen loan book performance, and support financial viability, while overseeing credit risk management, workout and recovery strategies, and credit governance, and providing strategic input to executive management, the Board, and relevant Committees on credit-related matters to support sound risk management and operational effectiveness.

Qualification

• Minimum QualificationsA recognised Bachelor’s Degree in Accounting, Economics, Banking and Finance, or a related field, at NQF Level 7. A Master’s Degree in Business Administration, Accounting, Banking and Finance, Economics, or a related field will be an added advantage. Sound knowledge and understanding of credit risk management, lending practices, and collections and recoveries within a financial services environment. Strong understanding of corporate governance principles, financial systems, applicable legislation, and IFRS 9 requirements.

Experience

• Minimum ExperienceTen (10) years of relevant working experience within a banking, credit risk, lending, or collections and recoveries environment, of which at least five (5) years must have been at the middle management level in credit risk. Demonstrated experience in loan book management, credit risk analysis, collections, and recoveries within a financial services environment. Good understanding of IFRS 9 and its application within credit risk and loan book classification. Experience in housing finance or home loan credit environments will be an added advantage. Proven experience in roles such as Credit Analyst, Collections Manager, or similar positions within a credit and collection environment will be an added advantage.

Skills

• Financial and Risk Knowledge: Sound knowledge of accounting, IFRS, the financial services environment, and risk management principles.
• Strategic Thinking and Analytical Ability: Strong strategic thinking, planning, and analytical skills, with the ability to interpret financial and credit information.
• Collaboration and Relationship Management: Ability to collaborate effectively, build strong relationships, and engage with internal and external stakeholders.
• Customer Orientation: Strong customer focus, with the ability to balance service delivery with sound credit risk management.
• Emotional Intelligence and Conflict Management: Demonstrates emotional intelligence, with the ability to manage conflict and complex stakeholder dynamics.
• Communication and Reporting: Strong communication, report writing, and presentation skills, with the ability to convey information clearly and effectively.
• Negotiation and Influencing Skills: Strong negotiation and influencing capability in credit, collections, and stakeholder engagements.
• Systems and Technical Proficiency: Computer literacy, including experience with financial and accounting systems such as Sage Accpac and Systems, Applications and Products in Data Processing (SAP).

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