Credit Head

Job Description To lead, execute, and continuously refine the Credit Risk strategy in alignment with the organisation’s credit ethics and broader business objectives. This role is accountable for optimising the return on capital employed by ensuring prudent credit risk management practices, maintaining portfolio quality, and enabling sustainable growth. Provides strategic direction, oversees credit governance frameworks, and ensures effective risk mitigation across all credit portfolios.

This includes influencing policy, guiding cross-functional teams, and leveraging data-driven insights to balance risk and reward, while supporting business agility and resilience in a dynamic operating environment.

Hello Future Credit Head Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. As part of our team in FNB Private Credit, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious.

Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

Location:

Western and Eastern Cape Region

• Identify potential financial risk that the annual business plan might bring about and ensure measures are taken to manage that risk against the financial expenditure budget
• Create, analyse and interpret budget Variance Reports to ensure financial planning and accruals are adjusted to accommodate changes in business operations
• Increase operational efficiency and suggest solutions to enhance cost effectiveness control costs for business area
• Monitor revenue growth for applicable income streams
• Determine targets for revenue growth
• Identify and implement on opportunities for revenue growth
• Contribute to the development of larger overall area budget
• Develop the budget for the next financial year for area of responsibility taking all operational plans into consideration
• Research and design a longer-term financial resource requirement plan for the area of responsibility
• Present the business case to motivate for financial resources
• Analyse and develop implementation plan against the forecasted financial budget
• Develop tactical budget for area of responsibility that minimise expenditure and manage costs
• Control the budget for area including the authorisation of expenditures and implementation of financial regulations
• Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in
• Engage in cross-functional relationships to obtain and to provide work support
• Contribute to sustaining a competitive edge through external networking, benchmarking and representation on related forums
• Apply a customer‑centric approach that focuses on creating a positive experience for the customer by maximising service and/or product offerings and building relationships
• Ensure that the customer is at the centre of the business philosophy, operations and ideas
• Design and deliver customer service solutions, systems and interactions aligned to Organisational values and service standards
• Establish, manage and maintain sound relationships with stakeholders based on trust that builds the brand

• Drive continuous improvement in customer service delivery that prevent problems from arising in the future in a proactive manner
• Implement service delivery and efficiency models
• Enhance the service experience by ensuring the alignment of multiple service delivery processes and channels, and putting the customer first
• Introduce best practice customer service solutions and efficiency models
• Monitor and evaluate all…