About this role
Job Requisition Details
Requisition ID: 148023
Location: Johannesburg, Gauteng
Closing Date: 13 October 2026
Talent Acquisition: Bongiwe Mchunu
Job Family
Business and Commercial Banking SME - Credit
Career Stream
Credit Collections
## Leadership Pipeline
Manage Self Professional
FAIS Affected
Job Purpose
To provide client service by applying sound credit risk management principles through management of staff thereby enabling Nedbank to reduce the SME impairment charge with the view to rehabilitate, in line with the business strategy.
Why Join Our Team
Join a high-performing SME Credit team where you will play a critical role in shaping sound credit risk decisions, supporting client rehabilitation strategies, and protecting the bank’s portfolio. This role offers the opportunity to lead and develop a team of credit professionals, collaborate closely with business stakeholders, influence credit risk outcomes, and contribute to innovative improvements that enhance client experience and operational excellence. At Nedbank, you will be empowered to grow your expertise, drive meaningful impact, and help businesses succeed while maintaining prudent risk management practices.
## Job Responsibilities
- Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS).
- Ensure efficient work ethic and achievement of business unit strategies & goals by proposing innovative ideas to enhance Business processes that facilitate customer experience.
- Provide feedback monthly by drafting business reports as at month end.
- Build and maintain effective working relationships by attending regular staff meeting and team building sessions.
- Build strong relationships with bankers by providing upskilling advice on credit processes, policies and documentation.
- Build intellectual capital of the team by knowledge sharing with all stakeholders.
- Meet clients' expectations by resolving queries within turnaround times.
- Manage staff performance by monitoring daily activities of direct reports.
- Manage performance of the team by conducting on the job training, counselling and coaching.
- Manage efficiency of team delivery by drafting and implementing team's strategies.
- Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to Recoveries Centre.
- Enhance policies and procedures by reviewing recommended submissions from other parties.
- Enhance processes by constantly seeking innovative improvements to the credit systems.
- Adapt to changes in Legislation by enforcing the compliance to the changes.
- Improve team performance by identifying staff performance gaps from assessment evaluations and analysing performance data from the Management Information System (MIS).
- Ensure clean audit in area of responsibility by enforcing adherence to bank policies, process and procedures and industry regulations.
- Implement sound credit risk management by providing advice on specialized credit risk matters to sales and direct reports.
- Develop client exit or rehabilitation strategies by conducting annual review of client facilities.
- Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required.
- Mentor and coach staff on identified performance gaps by discussing these performance gaps and agree on appropriate action to be taken.
- Motivate staff to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.
- Address issues raised in culture surveys by participating in the development and implementation of action plans.
- Create a client service culture through various required interventions.
- Support and encourage staff to participate and support corporate responsibility initiative.
- Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
- Encourage team to generate innovative ideas and share knowledge.
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- BCom, BTech, Diploma, or equivalent qualification in Credit Management, Finance, Banking, Accounting, Risk Management, or a related field.
Minimum Experience Level
- Minimum 5 years' experience within a banking credit environment, with demonstrated exposure to SME Credit Risk, Credit Assessment, Portfolio Management, Collections, Recoveries, or Credit Risk Management.
Technical / Professional Knowledge
- Business administration and management
- Change management
- Client service management
- Communication Strategies
- Financial Accounting Principles
- Governance, Risk and Controls
- Organisational systems
- Principles of project management
- Strategic planning
- Management information and reporting principles, tools and mechanisms
Behavioural Competencies
- Building Partnerships
- Coaching
- Communication
- Customer Focus
- Driving for Results
- Selecting Talent
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Please contact the Nedbank Recruiting Team at +27 860 555 566