About this role
Lets Write Africa's Story Together!
Old Mutual is a firm believer in the African opportunity and our diverse talent reflects this.
Job Description
Minimum Requirements:
- Namibian Citizenship.
- B Com or Relevant Degree / NQF Level 7.
- 5 - 8 years experience in Banking, Credit or Finance.
- Experience in Banking or Credit will be an added advantage.
- At least 2–3 years' managerial experience.
- Advanced Microsoft Excel skills.
- Good interpersonal communication skills.
- Above average numerical ability.
- Ability to work under pressure.
- Managerial experience with ability to guide/ coach.
- Strong team player.
Job Description:
1. Credit and Business Risk Management
- Develop, implement, and maintain the credit risk strategy, framework, policies, procedures, and lending standards.
- Identify, assess, monitor, and report on credit risk and other relevant business risks across the organization.
- Manage credit assessments at employer and customer segment levels to ensure sound credit decision-making.
- Evaluate and approve credit applications within delegated authority and recommend high-risk exposures for higher-level approval.
- Monitor employer limits, customer creditworthiness, portfolio quality, and exposure concentrations, recommending appropriate risk mitigation actions where necessary.
- Ensure consistent application of credit policies, processes, and regulatory requirements throughout the business.
- Develop, maintain, and enhance credit scoring models and risk assessment methodologies.
- Conduct portfolio reviews and market intelligence analysis to identify emerging risks, opportunities, and industry trends.
2. Credit Portfolio Oversight
- Monitor the performance, quality, and risk profile of the loan portfolio against approved risk appetite and business objectives.
- Analyze portfolio trends, arrears, impairments, provisioning requirements, and other key risk indicators.
- Identify and manage problem accounts, employers, or segments and collaborate with the Collections Manager on recovery and provisioning strategies.
- Monitor concentration risks across products, sectors, customer segments, and geographic areas.
3. Governance, Compliance, and Control
- Ensure compliance with internal policies, regulatory requirements, applicable legislation, and audit standards.
- Maintain effective controls and governance processes across the credit lifecycle.
- Support internal and external audit reviews and ensure timely implementation of agreed actions.
- Ensure accurate documentation, record-keeping, and audit trails for all credit-related decisions and processes.
- Review and maintain credit, collections, and other related policies to ensure continued relevance and effectiveness.
4. Reporting, Analytics, and Management Information
- Prepare and present accurate, timely, and insightful credit and business risk reports to management, committees, and other governance forums.
- Develop and maintain dashboards, scorecards, and performance metrics to support informed decision-making.
- Conduct trend analysis and provide recommendations to optimize portfolio performance and mitigate risk.
- Report on portfolio quality, credit exposures, impairments, provisioning, and other key risk indicators.
5. Stakeholder and Relationship Management
- Build and maintain effective relationships with internal and external stakeholders, including Sales, Finance, Operations, Risk, and Executive Management.
- Provide expert guidance and advice on credit risk, lending decisions, and portfolio management matters.
- Maintain and manage relationships with relevant third-party service providers, credit bureaus, regulatory bodies, and other business partners.
- Foster effective communication and collaboration across the business and wider group to support strategic and operational objectives.
6. Leadership and People Management
- Lead, coach, and develop the Credit team, including Credit Analytics and Credit Origination functions.
- Set performance goals, monitor productivity, and ensure alignment with departmental and business objectives.
- Promote a culture of accountability, collaboration, continuous improvement, and high-performance.
- Identify capability gaps and implement training and development initiatives to strengthen team effectiveness.
7. Strategic Initiatives and Continuous Improvement
- Drive continuous improvement of credit management processes, systems, and controls.
- Support automation, digital transformation, and data analytics initiatives that enhance efficiency, customer experience, and reporting accuracy.
- Manage and deliver credit-related projects and strategic initiatives delegated by the Senior Management.
- Promote data-driven decision-making and innovation across the credit function.
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Skills
Competencies
Builds Effective Teams
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Business Insight
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Communicates Effectively
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Customer Focus
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Directs Work
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Drives Results
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Ensures Accountability
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Financial Acumen
Education
Bachelor of Commerce (BCom)
Closing Date
26 October 2026 , 23:59
The Old Mutual Story!