285 Credit Manager jobs in South Africa

Credit Manager Position

Reference: JHB -CLG-1

A reputable financial institution, located in Rosebank, is currently seeking a skilled Credit Manager to bolster its team and enhance credit oversight within the company. In this role, you will manage credit risks efficiently and drive business growth.
Within this position, you'll oversee credit activities across the business, leading the Credit Analyst and other risk teams to ensure robust credit analysis and preparation of credit applications for facility adjustments. Collaborating with stakeholders, you'll present well-considered credit recommendations to committees, contributing to effective risk management and business strategies.

Duties & Responsibilities

REQUIRED MINIMUM WORK EXPERIENCE

• Conduct detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects.
• Prepare credit papers for client facility adjustments and covenant breaches.
• Present requests to the board and Group credit committees.
• Engage continuously with clients for monitoring, identify credit stress, and assist in recoveries while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.
• Proficient in banking business and product knowledge.
• Strong analytical skills including financial statement analysis and understanding of IFRS.
• Comprehensive grasp of credit principles and lending processes.
• Knowledgeable about various industries and macroeconomic factors impacting clients.
• Familiarity with commercial legal aspects such as insolvency, collateral, and deal structures.
• Understanding of Capital frameworks, coupled with financial modelling and forecasting abilities.
• Proficiency in Excel.

REQUIRED EXPERIENCE AND QUALIFICATIONS

• Bachelor of Commerce degree in Finance, Accounting or higher preferred.
• 3+ years of lending or credit experience required.
• Sound credit analysis experience required.
• Commercial legal knowledge preferred.

Should you meet the above requirements, please upload your CV to our website {CVs VIA EMAIL WILL NOT BE CONSIDERED}
All suitably qualified candidates are encouraged to apply and will be considered. Our client applies the principles of employment equity as per National legislation and policy guidelines and will consider designated groups in line with these requirements.
Shortlisted candidates will be required to go through background screening, assessments, and medicals.Package & Remuneration

R 65000 - R 7000 - Monthly

#J-18808-Ljbffr

Group Credit Manager

Reference: NFU -KM-1

One of my leading global FMCG clients has an opportunity for a seasoned Group Credit Manager to head up the Group Credit department.

Duties & Responsibilities

Job & Company Description:
My client has been in operation for nearly a century and prides itself on the production and distribution of varied fast moving consumer goods loved and trusted by consumers world-wide. They boast a large local and global presence in the manufacturing of products within the portfolio of edible, home and personal care, and continue to take up market share year on year.

They seek to employ a solid Credit Manager with a strong background in the FMCG space, who will be tasked with assessing potential customers’ creditworthiness, conducting reviews of existing customers and ultimately optimizing company sales.

Job Experience & Skills Required:

1. BCom in Finance/Accounting or Credit Management Certificate level 5 or Diploma
2. 10 years’ experience in a similar role – preferably in an FMCG/retail environment – 5 years of which must be in a management role
3. Strong staff management
4. Strategic and operational exposure
5. Risk Management

Apply now!
If you have not had any response in two weeks, please consider the vacancy application unsuccessful. Your profile will be kept on our database for any other suitable positions.Package & Remuneration

R - R

#J-18808-Ljbffr

Credit Manager Job Description

Within this role, you'll have a comprehensive scope, overseeing credit activities across the client portfolio. You'll lead the Credit Analyst and other risk teams , ensuring robust credit analysis and preparation of credit applications for facility adjustments. Collaborating with stakeholders, you'll present well-considered credit recommendations to committees , contributing to effective risk management and business strategies . The dynamic environment offers exciting opportunities for professional growth, with success defined by delivering sound credit papers and facilitating smooth credit operations.

Key qualifications of the credit manager:

• Bachelor of Commerce degree in Finance, Accounting or higher preferred
• 3+ years of lending or credit experience required
• Sound credit analysis experience required
• Commercial legal knowledge preferred

Key duties for the Credit Manager include but are not limited to:

• Conduct detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects
• Prepare credit papers for client facility adjustments and covenant breaches
• Present requests to the board and Group credit committees
• Engage continuously with clients for monitoring, identify credit stress, and assist in recoveries, while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.
• Proficient in banking business and product knowledge
• Strong analytical skills including financial statement analysis and understanding of IFRS
• Comprehensive grasp of credit principles and lending processes
• Knowledgeable about various industries and macroeconomic factors impacting clients
• Familiarity with commercial legal aspects such as insolvency, collateral, and deal structures
• Understanding of Basel and AIRB Capital frameworks, coupled with financial modelling and forecasting abilities
• Proficiency in Excel, PowerPoint, and CGIC insurance cover understanding

Key personal skills for an effective Credit Manager:

• Strong communication and interpersonal skills
• Passion for continuous learning and development
• Meticulous attention to detail with strong analytical abilities
• Ability to thrive under pressure, prioritize tasks, resolve conflicts, and creatively solve problems

If you are passionate about credit management and possess strong analytical skills, or if you have experience in lending and risk analysis, then please get in touch to learn more about this exciting opportunity to contribute to the company's success.

This is an in-office position with a level of flexibility.

#J-18808-Ljbffr

To lead the credit control function by managing a high-performing team responsible

for the effective oversight of debtor accounts. This includes reducing overdue debt,

ensuring legal and compliance requirements are met, and enhancing business efficiency

through process control, automation initiatives, and risk management.

Team & Operational Management

• Lead and manage the inland credit control team to meet and exceed performance targets.
• Coach and train team members, emphasizing reconciliation quality and technical development.
• Develop three internal superusers and maintain an effective performance management system.
• Mentor and guide the team on legislative requirements (e.g., National Credit Act) and best practices.

Credit & Collections

• Maintain accurate debtor journals and reconciliations.
• Ensure efficient and timely collections to reduce overdue debt and support cash flow.
• Oversee credit applications, limit reviews, and the credit re-invoice process.
• Manage write-offs and settlement discounts in line with company policy.
• Maintain a credit vetting system to balance revenue growth with credit risk mitigation.

Account and Cash Management

• Monitor and manage unallocated cash and ensure proper allocations.
• Enforce CBD (Cash Before Delivery) account rules and manage exceptions.
• Perform daily allocation checks and exception analysis.
• Regularly review and validate debtor balances for accuracy and compliance with policies and legislation.

Process & Systems Oversight

• Manage the legal book with full documentation and compliance.
• Oversee daily workflow checks and archiving.
• Handle all aspects of BTS Web, banking platforms, refunds, flipping, and proof-of-delivery processes (Capisol / manual and electronic).
• Implement a structured system for workflow monitoring and error detection.

Compliance, Reporting & Audit

• Maintain internal controls and support audit and risk management functions.
• Ensure timely and thorough weekly reporting, including red flags and delays; escalate as necessary and follow up with Sales.
• Deliver exception, analytical, and key financial reports (weekly and monthly).
• Play a key role in both internal and external audit processes.

Cross-Functional Collaboration

• Work closely with internal teams including Sales, Branch Managers, and Finance to manage interdepartmental dependencies.
• Oversee staff purchase and deduction processing within the credit team.
• Lead master data management and implement checks to ensure data accuracy.
• Communicate and provide technical direction to stakeholders, including customers, on credit matters.

Process Improvement & Key Projects

• Lead initiatives to optimise and semi-automate debtor processes.
• Continuously identify and implement enhancements to credit control procedures.
• Develop systems for proactive monitoring and management of outstanding debtor balances.
• Implement review processes for credit notes, discounts, and other account adjustments.
• Develop and deliver a structured training program covering procedures, policies, and legislation.

Other Duties

• Maintain up-to-date policies and procedures for the Debtors’ function.
• Ensure full function coverage with adequate backups.
• Perform ad hoc reporting and project-related tasks as required.

Qualifications & Experience :

• Tertiary qualification Credit Management or similar.
• Minimum of 5–7 years’ experience in a credit control leadership role.
• Strong understanding of debtor systems, legislation (e.g., NCA), and credit vetting principles.
• Proven ability to manage teams, processes, and cross-functional projects effectively.
• Excellent leadership, coaching, and team development skills.
• Strong analytical and problem-solving ability.
• High attention to detail and accuracy.
• Excellent communication and interpersonal skills.
• Ability to manage change, drive automation, and work under pressure.

Create a job alert for this search

Credit Manager • Germiston, Gauteng, South Africa

#J-18808-Ljbffr

Group Credit Manager Reference: NFU -KM-1 One of my leading global FMCG clients has an opportunity for a seasoned Group Credit Manager to head up the Group Credit department. Duties & Responsibilities Job & Company Description: My client has been in operation for nearly a century and prides itself on the production and distribution of varied fast moving consumer goods loved and trusted by consumers world-wide. They boast a large local and global presence in the manufacturing of products within the portfolio of edible, home and personal care, and continue to take up market share year on year.They seek to employ a solid Credit Manager with a strong background in the FMCG space, who will be tasked with assessing potential customers’ creditworthiness, conducting reviews of existing customers and ultimately optimizing company sales.Job Experience & Skills Required: BCom in Finance/Accounting or Credit Management Certificate level 5 or Diploma 10 years’ experience in a similar role – preferably in an FMCG/retail environment – 5 years of which must be in a management role Strong staff management Strategic and operational exposure Risk Management Apply now! If you have not had any response in two weeks, please consider the vacancy application unsuccessful. Your profile will be kept on our database for any other suitable positions.Package & Remuneration R - R #J-18808-Ljbffr

Credit Manager Job Description Within this role, you'll have a comprehensive scope, overseeing credit activities across the client portfolio. You'll lead the Credit Analyst and other risk teams , ensuring robust credit analysis and preparation of credit applications for facility adjustments. Collaborating with stakeholders, you'll present well-considered credit recommendations to committees , contributing to effective risk management and business strategies . The dynamic environment offers exciting opportunities for professional growth, with success defined by delivering sound credit papers and facilitating smooth credit operations. Key qualifications of the credit manager: Bachelor of Commerce degree in Finance, Accounting or higher preferred 3+ years of lending or credit experience required Sound credit analysis experience required Commercial legal knowledge preferred Key duties for the Credit Manager include but are not limited to: Conduct detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects Prepare credit papers for client facility adjustments and covenant breaches Present requests to the board and Group credit committees Engage continuously with clients for monitoring, identify credit stress, and assist in recoveries, while ensuring compliance and collaborating with stakeholders to manage credit risk effectively. Proficient in banking business and product knowledge Strong analytical skills including financial statement analysis and understanding of IFRS Comprehensive grasp of credit principles and lending processes Knowledgeable about various industries and macroeconomic factors impacting clients Familiarity with commercial legal aspects such as insolvency, collateral, and deal structures Understanding of Basel and AIRB Capital frameworks, coupled with financial modelling and forecasting abilities Proficiency in Excel, Power Point, and CGIC insurance cover understanding Key personal skills for an effective Credit Manager: Strong communication and interpersonal skills Passion for continuous learning and development Meticulous attention to detail with strong analytical abilities Ability to thrive under pressure, prioritize tasks, resolve conflicts, and creatively solve problems If you are passionate about credit management and possess strong analytical skills, or if you have experience in lending and risk analysis, then please get in touch to learn more about this exciting opportunity to contribute to the company's success. This is an in-office position with a level of flexibility. #J-18808-Ljbffr

To lead the credit control function by managing a high-performing team responsible for the effective oversight of debtor accounts. This includes reducing overdue debt, ensuring legal and compliance requirements are met, and enhancing business efficiency through process control, automation initiatives, and risk management. Team & Operational Management Lead and manage the inland credit control team to meet and exceed performance targets. Coach and train team members, emphasizing reconciliation quality and technical development. Develop three internal superusers and maintain an effective performance management system. Mentor and guide the team on legislative requirements (e.g., National Credit Act) and best practices. Credit & Collections Maintain accurate debtor journals and reconciliations. Ensure efficient and timely collections to reduce overdue debt and support cash flow. Oversee credit applications, limit reviews, and the credit re-invoice process. Manage write-offs and settlement discounts in line with company policy. Maintain a credit vetting system to balance revenue growth with credit risk mitigation. Account and Cash Management Monitor and manage unallocated cash and ensure proper allocations. Enforce CBD (Cash Before Delivery) account rules and manage exceptions. Perform daily allocation checks and exception analysis. Regularly review and validate debtor balances for accuracy and compliance with policies and legislation. Process & Systems Oversight Manage the legal book with full documentation and compliance. Oversee daily workflow checks and archiving. Handle all aspects of BTS Web, banking platforms, refunds, flipping, and proof-of-delivery processes (Capisol / manual and electronic). Implement a structured system for workflow monitoring and error detection. Compliance, Reporting & Audit Maintain internal controls and support audit and risk management functions. Ensure timely and thorough weekly reporting, including red flags and delays; escalate as necessary and follow up with Sales. Deliver exception, analytical, and key financial reports (weekly and monthly). Play a key role in both internal and external audit processes. Cross-Functional Collaboration Work closely with internal teams including Sales, Branch Managers, and Finance to manage interdepartmental dependencies. Oversee staff purchase and deduction processing within the credit team. Lead master data management and implement checks to ensure data accuracy. Communicate and provide technical direction to stakeholders, including customers, on credit matters. Process Improvement & Key Projects Lead initiatives to optimise and semi-automate debtor processes. Continuously identify and implement enhancements to credit control procedures. Develop systems for proactive monitoring and management of outstanding debtor balances. Implement review processes for credit notes, discounts, and other account adjustments. Develop and deliver a structured training program covering procedures, policies, and legislation. Other Duties Maintain up-to-date policies and procedures for the Debtors’ function. Ensure full function coverage with adequate backups. Perform ad hoc reporting and project-related tasks as required. Qualifications & Experience : Tertiary qualification Credit Management or similar. Minimum of 5–7 years’ experience in a credit control leadership role. Strong understanding of debtor systems, legislation (e.g., NCA), and credit vetting principles. Proven ability to manage teams, processes, and cross-functional projects effectively. Excellent leadership, coaching, and team development skills. Strong analytical and problem-solving ability. High attention to detail and accuracy. Excellent communication and interpersonal skills. Ability to manage change, drive automation, and work under pressure. Create a job alert for this search Credit Manager • Germiston, Gauteng, South Africa #J-18808-Ljbffr

Key Responsibilities

• Responsible for the review and approval of commercial credit proposals, Credit assessment and credit worthiness of the customer.
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
• File Verification in terms of established credit guidelines, process and approval, maintain a good balance between returns and risks exposure.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
• Handle customer complaints and take appropriate action to resolve them.
• Market financial products to individuals and firms, promoting AFCL services that may meet customers' needs.
• Updating and submitting monthly data to credit bureau as per banking regulations, updating and preparing daily reports.
• Ensure all regular monthly reporting is generated for management review.

Desired Profile

• Must have Credit management exposure.
• Must have excellent communication and inter-personal skills.
• Understanding of retail finance.

Educational Qualifications

• Commerce of Finance Graduate.

Relevant years of Experience

• Between 6-8 years of experience (Overall).

Competencies

• Relationship building.
• Communication & Interpersonal skills.
• Presentation skills.
• Credit management.

Industry Preference

• Banks.

#J-18808-Ljbffr

Credit Manager Job Description

Within this role, you'll have a comprehensive scope, overseeing credit activities across the client portfolio. You'll lead the Credit Analyst and other risk teams , ensuring robust credit analysis and preparation of credit applications for facility adjustments. Collaborating with stakeholders, you'll present well-considered credit recommendations to committees , contributing to effective risk management and business strategies . The dynamic environment offers exciting opportunities for professional growth, with success defined by delivering sound credit papers and facilitating smooth credit operations.

Key qualifications of the credit manager:

• Bachelor of Commerce degree in Finance, Accounting or higher preferred
• 3+ years of lending or credit experience required
• Sound credit analysis experience required
• Commercial legal knowledge preferred

Key duties for the Credit Manager include but are not limited to:

• Conduct detailed credit analysis covering financial, operational, collateral, shareholder, and industry aspects
• Prepare credit papers for client facility adjustments and covenant breaches
• Present requests to the board and Group credit committees
• Engage continuously with clients for monitoring, identify credit stress, and assist in recoveries, while ensuring compliance and collaborating with stakeholders to manage credit risk effectively.
• Proficient in banking business and product knowledge
• Strong analytical skills including financial statement analysis and understanding of IFRS
• Comprehensive grasp of credit principles and lending processes
• Knowledgeable about various industries and macroeconomic factors impacting clients
• Familiarity with commercial legal aspects such as insolvency, collateral, and deal structures
• Understanding of Basel and AIRB Capital frameworks, coupled with financial modelling and forecasting abilities
• Proficiency in Excel, PowerPoint, and CGIC insurance cover understanding

Key personal skills for an effective Credit Manager:

• Strong communication and interpersonal skills
• Passion for continuous learning and development
• Meticulous attention to detail with strong analytical abilities
• Ability to thrive under pressure, prioritize tasks, resolve conflicts, and creatively solve problems

If you are passionate about credit management and possess strong analytical skills, or if you have experience in lending and risk analysis, then please get in touch to learn more about this exciting opportunity to contribute to the company's success.

This is an in-office position with a level of flexibility.

#J-18808-Ljbffr