Kloof Durban Main Purpose of the Job: To manage risk for clients across their business as a single entity or on a national level To minimise customer risk by gathering, analysing and sharing all relevant market, risk, debtor and financial information to identify possible risks to the customer and suggesting mitigating actions in order to gain trust and enhance self-confidence and THE COMPANYs Reputation. To train and drive the full THE COMPANY Group service offering and to optimise the team responsible for a specific client base. Qualifications: Financial, Economics, Law or business management degree. Diploma or NQF level 7 qualifications. FSCA Experience: Five years experience as a Credit Risk Manager or Advisor. Experience on a managerial level will be an advantage. Experience with credit insurance houses will be an advantage Competencies: Analytical Problem solving Dealing with pressure Conflict handling Resilience Communication skills Tenacity Computer skills People Management Interpersonal skills Core Accountabilities and Responsibilities Management Motivation & Leadership Core Accountabilities and Responsibilities Management Motivation & Leadership Ensure operational excellence Mobilise resources to standards of excellence Ensure Standards are maintained Management skills planning, coaching and measurement of work Understand what drives the achievement of goals Assist team with identification of performance goals Provide Direction whilst giving freedom to carry out assignments in their own manner Must be able to delegate but follow up regularly (monitor) Use information from monitoring to give constructive feedback to Management Must be available to staff both physically and emotionally Recognise role as a couch and developer of talent. Design control systems that ensure accountability for what is delegated Reward Positive and deal with Negative outcomes Exhibit interest in strategic and cultural issues. Acknowledges and gives credit to other for the effort and contribution Organise direct reports into regional Director Demonstrates organisational values Organising and Planning Plans have time span of 1 month to 1 year Plans focus on operational excellence at a process level, Mobilisation of resources, directing and planning for team and individual results and achievement of goals Plans focus on customer value add Planning to team and individual results Implementation of Regional Goals and setting of team goals Effectiveness and Delivery Decisions are around the optimisation of processes and systems Impact of decision start to extend to other teams Use input of other to take sound decisions Choose best course of action while considering impact ultimate decision Adapt stance and make sound decision based on new information Ensure decision are implementable at a process level Meeting deadlines Bottom Line Focus Analysis and diagnose data in order to assist regionals managers and directors to make informed decisions. Skilled understanding of accounting and commercial principles Optimisation of processes and systems to ensure efficiency Understands and applies regulations and legislations Initiative and Innovation Operational excellence Encourage pro-active behaviour Mobilise self and others to take action Push and stretch self and others for results Drive performance by consistently demonstrating a sense of urgency and a need for achievement Optimise and tweak systems and processes Seek Ideas through collaboration with others Encourages and rewards new thinking and creative ideas Client visits The following stakeholder visits should be utilised to ensure business continuity and up to date information regarding status: Debtors meetings Security negotiation Collection of debt visits Attorneys Marketing meetings Strategic partner meetings Meetings with insurers Motivation of higher insurance limits Assessment of Financials Engage with the national leadership team of a client in order to discuss risk related issue across the whole entity. Analyse current business risk elements and determine the risk category (based on level of risk). Business Rescue Meetings Liquidation Meetings Trade finance facility meetings Bonds and Guarantee meetings Marketing presentations Presenting trade debtor insurance options During the above meetings actual and potential major issues regarding risk should be identified and reported to the, Regional Advisor or Regional Director. Determine intervention required in conjunction, Regional Advisor or Regional Director. Report on matters being handled both inhouse and via Attorneys, liquidators, Business Rescue Practitioners etc. Manage operations Set up all meetings when required. Develop possible solutions to minimise client risk based on risk category. Collaborate with the client to implement risk management strategies. Continuously engage with client to resolve ongoing issues and to stay close to the client”s risk situation. Determine which debtors owe in excess of the established credit limit Establish what is being done to collect those accounts over term Recommend security where necessary (i.e. New business for substantial limits) Assist with the recommendation for legal action Assist with credit insurance claims It is expected that you are able to provide market intelligence at meetings with your clients (the added value) use of m-files to assist. Establish possible needs for strategic partners products and refer accordingly. Service clients and clearly identify risk issues in all spectrums of THE COMPANY service offering including strategic partners. Management of all aspects of the clients account and monitoring of the account to ensure quality of service provided. Must have a good understanding of all cost implications and benefits of all THE COMPANY services and strategic partners. Must be able to identity all possible clients of THE COMPANY core products and strategic partners to understand the wider impact of actions taken within the business. Apply an understanding of the service offering to contractors. Understand the cost implications of the different options of the contactors division Do a sales presentation to clients utilising knowledge regarding products and services. Identify potential new clients for all THE COMPANY products and strategic partners. Develop relationships with key role players in different client organisations. Ensure continuous improvement at operational level by identifying best operating practice, determine gaps and implement improvements. Translate business plans into functional plans or operating plans / processes that are effective. Clarify how THE COMPANY compares to competitors and how we add superior value to clients through reports and tailored risk mitigation. Apply knowledge of competitors pricing modules vs ours. Proactively identify possible conflict of interest and manage it accordingly. Encourage and upskill team to identify opportunities for strategic partner services. Track performance against budget on an ongoing basis and flag possible underperformance. Provide information required for reporting purposes to RCMs. Assist with the recommendation for legal action Assist with credit insurance claims It is expected that you are able to provide market intelligence at meetings with your client (the added value) use of m-files to assist. Establish possible needs for strategic partners products and refer accordingly. Service clients and clearly identify risk issues in all spectrums of THE COMPANY service offering including strategic partners. Management of all aspects of the clients account and monitoring of the account to ensure quality of service provided. Must have a good understanding of all cost implications and benefits of all THE COMPANY services and strategic partners. Must be able to identity all possible clients of THE COMPANY core products and strategic partners to understand the wider impact of actions taken within the business. Apply an understanding of the service offering to contractors. Understand the cost implications of the different options of the contactors division Do a sales presentation to clients utilising knowledge regarding products and services. Identify potential new clients for all THE COMPANY products and strategic partners. Develop relationships with key role players in different client organisations. Ensure continuous improvement at operational level by identifying best operating practice, determine gaps and implement improvements. Translate business plans into functional plans or operating plans / processes that are effective. Clarify how THE COMPANY compares to competitors and how we add superior value to clients through reports and tailored risk mitigation. Apply knowledge of competitors pricing modules vs ours. Proactively identify possible conflict of interest and manage it accordingly. Encourage and upskill team to identify opportunities for strategic partner services. Track performance against budget on an ongoing basis and flag possible underperformance. Provide information required for reporting purposes to RCMs. Credit Insurance Policy management Must be aware and comply with insurers deadlines. Apply knowledge of client policies and related pricing. Train clients on Cregalink as and when required Analyse a policy i.e. policy review, claim reserves, claims ratio, salvage Compile a policy review report for feedback purposes as and when required. Conduct a policy review presentation to provide input regarding cover, possible risks, etc. Request and compare quotes to determine the best options for clients Apply understanding of maximum liability Assist in gross exposure reduction by assisting in getting information to motivate higher cover or cover at all. Build a relationship with the senior management team of the insurers. Apply knowledge of the full underwriting process. Request market intel from insurers and share with rest of the business to manage impact. Analyse the clients policy requirements, taking business strategy and context into consideration Influence new policy quotes in a way that favors the client. Apply basic knowledge of cell captive, contingency policy and self-insurance during interaction with relevant stakeholders w

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