Cape Town: Credit Manager posted by Hire Resolve

About the Role

A leading specialist finance firm is seeking an experienced Credit Manager to join their team in Cape Town’s V&A Waterfront. The ideal candidate will define and control the credit risk framework while driving the strategic evolution of the credit function through digital and AI-driven solutions.

Key Responsibilities

• Conduct thorough credit risk assessments and due diligence on all bridging loan applications, including those for property sellers and estate agents.
• Evaluate the creditworthiness of potential and existing customers by analyzing financial data, credit reports, and supporting legal documentation.
• Establish appropriate credit limits, terms, and conditions for loans, ensuring alignment with the company’s risk appetite.
• Proactively structure credit underwriting to mitigate potential issues and avoid increasing risk exposure.
• Develop, implement, and continuously refine credit policies, procedures, and internal scoring models to minimize financial loss and ensure consistency.
• Ensure all credit operations and collection practices are in strict compliance with relevant South African legislation, including the National Credit Act (NCA) and the Protection of Personal Information Act (POPIA).
• Manage and maintain audit-ready documentation for all credit decisions and portfolio activities.
• Ensure all applications and processes align with requirements for regulatory bodies such as the NCR.
• Monitor the credit portfolio health, tracking risk exposure across clients and sectors, and reporting on early warning indicators and delinquency trends.
• Collaborate with finance and technology teams to drive the strategic evolution of the credit function, focusing on implementing digital and AI-driven solutions like credit scorecards and algorithms.
• Prepare and present detailed reports and insights on exposure trends, policy adherence, and financial thresholds to senior management.
• Lead and mentor credit analysts and operations staff, ensuring high levels of accuracy and consistency in all assessments.
• Resolve escalated credit-related disputes and communicate with conveyancers, clients, and internal teams to facilitate smooth loan processes and collections.

Requirements

• Bachelor’s degree in Finance, Accounting, Law, or a related field.
• 5+ years of progressive experience in credit analysis, risk assessment, or credit management.
• Direct exposure to the bridging finance or specialist lending sector.
• In-depth knowledge of the National Credit Act (NCA) and its application in the South African lending market.
• Strong financial modelling, analysis, and underwriting skills.
• High level of digital and tech acumen, with a genuine interest in AI literacy and data-driven risk management.
• Proficiency in financial software and MS Office Suite, especially Excel.
• Exceptional analytical, methodical, and problem-solving abilities.
• Proven leadership and team management capabilities.
• Demonstrated professional values and ethics, including professional scepticism and integrated thinking.
• Excellent communication skills for negotiating terms and presenting complex financial information.

Qualifications

No formal qualifications mentioned in the original job description.

Salary & Benefits

Salary is mentioned but not specified with actual numbers.