Pinetown: Credit and Recoveries Manager (New Position) posted by You Choose Recruit

Based in Pinetown Micro Lending Industry Six-Month Probation Period We’re growing again — and this time, we’re creating a brand-new leadership position to help us strengthen and refine the heart of our lending operations. We’re looking for an experienced, hands-on Credit & Recoveries Manager (CRM) to take full ownership of the company’s credit life cycle — from loan evaluations and approvals to arrears management and recoveries. This is a key operational role, reporting directly to the Operations Manager / Managing Director, and working closely with the Credit & Lending Manager to ensure the business maintains a healthy loan book and sustainable growth. Because this is a new role, we’re offering an initial six-month probation period, giving both the business and the successful candidate the chance to measure impact and value over time. What You’ll Be Doing: -Oversee and continuously improve the credit evaluation and approval process. -Lead both the Evaluations and Collections departments, ensuring collaboration, accountability, and high performance. -Implement effective collection strategies to maximise recoveries and minimise credit losses. -Sit as an active member of the Credit Committee, providing insight on risk appetite, portfolio performance, and policy refinement. -Act as custodian of all Credit Policies, ensuring compliance with the National Credit Act (NCA) and other relevant regulations. -Provide leadership and mentorship to the Lead Evaluator and Collections Manager, driving professional development and operational excellence. -Analyse and report on key metrics such as approval accuracy, default rates, and recovery performance. What Success Looks Like: -High first-strike and arrears collection success rates -Controlled bad debt and portfolio-at-risk ratios -Quick and accurate loan evaluation turnaround times -Compliance with NCA and internal audit standards -Engaged, productive teams in both departments What You’ll Need: -A Bachelor’s degree in Finance, Business, Accounting, or a related field (advantageous). -At least 5 years’ experience in credit management, lending, or collections, including 2 years in a leadership role. -Experience in microlending and collections performance management is essential. -Solid understanding of the National Credit Act (NCA), Debt Collection Act, and related compliance frameworks. -Proven ability to improve collection rates, manage risk, and lead teams effectively. Who You Are: -Strategic thinker with strong analytical and risk assessment skills. -Confident leader who thrives on accountability and measurable results. -Excellent communicator with strong stakeholder and conflict resolution skills. -Tech-savvy and proficient in credit management systems, CRM tools, and MS Office Suite. -Someone who values ethical lending, disciplined recovery practices, and operational integrity.