Credit Manager

Job Summary

This role involves overseeing credit risk management, ensuring timely debt collection, leading a team of Credit Relationship Managers, and maintaining strong client relationships while safeguarding the financial interests of the company. It requires a deep understanding of credit principles, strong leadership capabilities, and the ability to navigate complex issues under pressure.

• Lead and mentor the Credit Relationship Management team, ensuring strategic objectives and performance excellence
• Evaluate and manage credit risks across the portfolio
• Oversee the entire credit approval process, ensuring adherence to company policies and reduction of non-performing loans
• Collaborate with sales teams to develop tailored credit solutions
• Foster and maintain strong client relationships to support cross-selling and upselling opportunities
• Develop and implement strategies to minimise bad debt
• Recommend debt restructuring or account handover while maintaining regulatory compliance and customer relationships
• Lead the review, development, and implementation of credit policies and processes
• Ensure credit processes align with industry best practices and regulatory requirements
• Prepare and present monthly performance reports to senior management
• Represent TWK Agri at Credit Bureau meetings and industry forums
• Maintain strong relationships with internal departments, clients, and other stakeholders to enhance service delivery

• Matric / Grade 12
• Bachelor’s degree in Finance, Accounting, Business Administration or a related field
• Honours degree in Finance, Accounting or related field
• MBA or relevant professional certification (advantageous)
• 8–10 years of proven experience in credit risk management with senior leadership experience (advantageous)
• Strong expertise in managing large credit facilities, ideally within the agricultural sector
• Demonstrated experience in developing and implementing credit sales strategies
• Strong analytical skills and proficiency in financial analysis
• Excellent communication and negotiation skills with experience working across diverse stakeholder groups
• High attention to detail and commitment to accuracy
• Strategic thinker able to align credit management with company goals
• Effective decision-making skills, particularly in high‑pressure situations
• Driver’s license (Code 08) and willingness to travel

Take the next step in your career with TWK Agri, a trusted leader in agriculture and beyond.

** TWK Agri supports the principles of Employment Equity and reserves the right to prioritise candidates in line with our Employment Equity targets.