Talent.com
This job offer is not available in your country.
Head : Credit Portfolio Management

Head : Credit Portfolio Management

Development Bank of Southern AfricaZA
10 days ago
Job description

Job title : Head : Credit Portfolio Management

Job Location : Gauteng,

Deadline : October 23, 2025

Quick Recommended Links

  • Jobs by Location
  • Job by industries

Job Description

  • The purpose of the role is to provide strategic leadership and oversight of the DBSA’s existing client portfolio by ensuring effective monitoring, proactive risk management, and sound governance across South Africa, the Rest of Africa, and high-impact transactions, thereby safeguarding portfolio sustainability, performance, and long-term value creation.

    • Key Responsibilities

    Provide Strategic and Operational Leadership

  • Lead the Credit Portfolio Monitoring function, setting objectives and plans aligned to the DBSA’s risk appetite and strategy.
  • Position the function as the custodian of existing risk monitoring, complementing the Credit team’s focus on new clients.
  • Represent Credit Portfolio Monitoring in executive forums and governance committees.

    • Oversee Credit Portfolio Risk Management

  • Direct credit portfolio monitoring activities for existing clients across South Africa, the Rest of Africa, and highimpact portfolios.
  • Review and validate credit monitoring outputs, risk assessments, and portfolio reviews for existing exposure.
  • Identify emerging risks within the existing portfolio and implement proactive monitoring strategies.
  • Strengthen oversight of the credit loan value chain for current clients

    • Drive Review Management and Financial Analysis

  • Lead ongoing portfolio reviews, credit worthiness assessments, and expected credit loss (ECL) reviews for existing clients.
  • Validate financial analysis outputs and risk assessments prepared by the monitoring team.
  • Provide recommendations on client performance, creditworthiness, and portfolio exposure.

    • Strengthen Credit Governance and Risk Oversight

  • Ensure strong governance frameworks for monitoring existing clients.
  • Maintain compliance with internal credit policies, governance standards, and regulatory frameworks.
  • Report on client performance, risk exposure, and monitoring results to executive and board structures.
  • Drive continuous improvement in credit monitoring tools, processes, and practices.

    • People Management

  • Lead, mentor, and develop a high-performing team, fostering a culture of collaboration, accountability, and continuous learning to maximise individual and collective potential.
  • Drive talent development initiatives, including coaching, performance management, and career pathing, to build and retain a skilled and motivated team.
  • Contribute to building synergies & cooperation across functions in the DBSA and living the DBSA values.

    • Stakeholder Management

  • Ensure clear and concise communication and build trust and credibility with internal and external stakeholders
  • Assess and align with the strategic goals and provide advice on key decisions to support stakeholders.
  • Leverage cross-functional and business data to inform strategic, operational and domain-specific decisions.
  • Lead business initiatives that focus on value creation for the business and stakeholders.

    • Reporting and Governance

  • Establish and enforce robust governance frameworks and reporting mechanisms to ensure transparency, compliance, and effective decision-making across all operations.
  • Ensure timely and accurate reporting of key performance indicators, risks, and progress against strategic objectives to relevant internal and external bodies.

    • Digital Transformation

  • Champion and drives digital transformation initiatives, leveraging technology to enhance operational efficiency, improve service delivery, and unlock new value streams within the DBSA.
  • Foster a mindset of innovation, identifying opportunities to adopt emerging technologies and best practices to modernise processes and deliver impactful solutions.

    • Key measurement of output :

  • Percentage of monitoring reviews on existing clients completed within timelines and quality standards
  • Level of compliance with credit governance, policies, and regulatory frameworks
  • Effectiveness of risk identification and escalation across existing client exposures
  • Accuracy and insightfulness of client reviews, and ECL assessments
  • Percentage of portfolio exposures maintained within approved risk appetite thresholds
  • Strength of team performance and delivery of portfolio oversight responsibilities
  • Confidence levels of executives and the board in monitoring outputs and recommendations
  • Management of team performance, talent development, and succession planning using the performance management system

    • Expertise & Technical Competencies

    Minimum Qualification Requirements

  • Postgraduate degree in Finance, Economics, Accounting, Risk Management or related field.

    • Desirable Qualification Requirements

  • Professional certification in Risk Management or equivalent.

    • Minimum Experience

  • Minimum 12 years of experience in credit risk, portfolio monitoring or financial analysis, with a minimum of 5 years in a senior or leadership role, managing a team.
  • Strong expertise in monitoring existing client portfolios and applying credit governance frameworks.
  • Advanced financial analysis and risk assessment capability.
  • Familiarity with early credit loss modelling principles.
  • Experience in developing or refining portfolio monitoring frameworks.

    • Desirable Experience

  • Experience in a Development Finance Institution, banking, or investment environment.
  • Exposure to monitoring African markets and high-impact portfolios.

    • TECHNICAL COMPETENCIES

    Portfolio Monitoring (Existing Clients)

  • Provides oversight of existing client exposure through structured monitoring and review processes.
  • Identifies portfolio trends and directs corrective actions to manage risk.

    • Financial and Equity Analysis

  • Conducts in-depth financial analysis, including cash flow, capital structure, and equity exposure.
  • Interprets complex data to inform risk strategies and portfolio decisions

    • Credit Governance and Compliance

  • Applies governance frameworks and regulatory standards to ensure effective oversight of the existing portfolio.
  • Maintains the integrity of risk processes across all segments

    • Expected Credit Loss Review

  • Performs analysis of provisioning and impairment under IFRS 9 and related frameworks.
  • Provides insights into expected credit loss models and validates underlying assumptions.

    • Credit Risk Assessment

  • Applies structured methodologies to evaluate credit risk exposure across diverse clients and sectors.
  • Provides evidence-based insights to support decision-making and risk mitigation.

    • Financial acumen

  • Makes sound financial decisions after having analysed their impacts on the organisation, partner agencies, and community.
  • Effectively prepares budgetary submissions and forecasts for own department.
  • Knows the internal and external factors that impact resource and asset availability.
  • Can interpret management account reports in an operational / commercial context and take action as appropriate to maximise revenues and control costs.

    • Strategic Planning

  • Establishes challenging, attainable goals and objectives based on a customer focus perspective.
  • Looks to the future with a broad perspective.
  • Ensure performance measures are in place to monitor progress and assess accomplishments and achievement of strategic goals and objectives.
  • Develop initiatives to achieve goals and objectives.
  • Articulates the vision and plans to others.

    • Deadline : 17th October,2025

  • Accounting / Financial Services  jobs
    • Create a job alert for this search

    Portfolio Management • ZA

    Related jobs
    • Promoted
    Regulatory & Financial Risk (RFR) : Credit Risk - Senior Consultant / Assistant Manager

    Regulatory & Financial Risk (RFR) : Credit Risk - Senior Consultant / Assistant Manager

    DeloitteZA
    Job title : Regulatory & Financial Risk (RFR) : Credit Risk - Senior Consultant / Assistant Manager.To support RFR - Credit Risk Team in delivery of services to / at client premises on delegated enga...Show moreLast updated: 30+ days ago
    • Promoted
    Head Collateral Management & Valuations

    Head Collateral Management & Valuations

    Absa Group LimitedZA
    Job title : Head Collateral Management & Valuations.CIB (Post Trade Services Team) is currently looking to hire a Head of Collateral Management & Valuations. This role will manage and provide direct...Show moreLast updated: 30+ days ago
    • Promoted
    Evolution Finance Collections and Recovery Portfolio Manager- Engage Grade 8

    Evolution Finance Collections and Recovery Portfolio Manager- Engage Grade 8

    Evolution Group LtdZA
    Job title : Evolution Finance Collections and Recovery Portfolio Manager- Engage Grade 8.Management of Collection Strategies. Performance Monitoring of Operational Channels.Collaboration with Operat...Show moreLast updated: 2 days ago
    • Promoted
    Credit Controller

    Credit Controller

    RCL FoodsZA
    The purpose of this role is to : .To facilitate the achievement of customer collection targets, essential to the profitability of the Company, are met. To manage overdue accounts, reduce the Com...Show moreLast updated: 30+ days ago
    • Promoted
    Head of Credit Risk : Credit Risk and Collections Strategy - homechoice

    Head of Credit Risk : Credit Risk and Collections Strategy - homechoice

    HomechoiceSouth Africa
    We’re seeking a dynamic, highly motivated individual to lead our Credit Risk and Collections Strategy function.The role focuses on strategic credit risk decisions, collections optimisation, oversig...Show moreLast updated: 29 days ago
    • Promoted
    Head : Bancassurance, ARO RBB

    Head : Bancassurance, ARO RBB

    Absa Group LimitedZA
    Job title : Head : Bancassurance, ARO RBB.The primary purpose of the role is to support the Head of ARO RBB and country Bancassurance teams in the execution of the strategic priorities with specific...Show moreLast updated: 30+ days ago
    • Promoted
    Snr Manager : Credit Management : FINA20387

    Snr Manager : Credit Management : FINA20387

    City of EkurhuleniZA
    Job title : Snr Manager : Credit Management : FINA20387.Job Location : Gauteng, Cape Town.BCom Financial Management or relevant equivalent NQF Level 7 qualification. Plan, organise, lead, manage, impl...Show moreLast updated: 10 days ago
    • Promoted
    Regulatory & Financial Risk (RFR) - Credit Risk : Manager / Senior Manager

    Regulatory & Financial Risk (RFR) - Credit Risk : Manager / Senior Manager

    DeloitteZA
    Job title : Regulatory & Financial Risk (RFR) - Credit Risk : Manager / Senior Manager.Regulatory & Financial Risk (RFR) is an established advisor within the financial services industry.Our vision is...Show moreLast updated: 30+ days ago
    • Promoted
    Credit Analyst Wealth Credit Origination

    Credit Analyst Wealth Credit Origination

    Absa Group LimitedZA
    Job title : Credit Analyst Wealth Credit Origination.Drive responsible credit decisions, manage client risk, and deliver data-driven insights in a dynamic client environment.We're looking for a str...Show moreLast updated: 2 days ago
    • Promoted
    Credit Analyst : Resources and Project Finance

    Credit Analyst : Resources and Project Finance

    Absa Group LimitedZA
    Job title : Credit Analyst : Resources and Project Finance.To support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle to crea...Show moreLast updated: 30+ days ago
    • Promoted
    Portfolio Manager

    Portfolio Manager

    GuardriskZA
    Role Purpose .Development and implementation of Guadrisk’s strategic initiatives.Requirements .Com Degree & / Relevant tertiary qualification.Minimum 5 years’ ex...Show moreLast updated: 11 days ago
    • Promoted
    Regional Manager : Retail Credit Risk, Absa Regional Operations

    Regional Manager : Retail Credit Risk, Absa Regional Operations

    Absa Group LimitedZA
    Job title : Regional Manager : Retail Credit Risk, Absa Regional Operations.To lead and direct the end-to-end management of credit risk for the countries and regional functional activities allocated...Show moreLast updated: 2 days ago
    • Promoted
    Chief Clerk : Credit Control : FINA19596

    Chief Clerk : Credit Control : FINA19596

    City of EkurhuleniZA
    Job title : Chief Clerk : Credit Control : FINA19596.National Diploma in Finance or relevant equivalent NQF Level 6 qualification. Ensure effective execution of debt collection and credit control poli...Show moreLast updated: 10 days ago
    • Promoted
    Executive : Stockbroking and Portfolio Management Fixed Term Contract

    Executive : Stockbroking and Portfolio Management Fixed Term Contract

    Absa Group LimitedZA
    Job title : Executive : Stockbroking and Portfolio Management Fixed Term Contract.Accountable for formulating and executing Stockbroking and Portfolio Manager (SPM) business strategy and driving sus...Show moreLast updated: 30+ days ago
    • Promoted
    Senior Manager - Credit Risk Policy

    Senior Manager - Credit Risk Policy

    Absa Group LimitedZA
    Job title : Senior Manager - Credit Risk Policy.Group Credit Risk is accountable for the development, maintenance, publication, socialisation and effectiveness assessment of the Group’s Credit Risk...Show moreLast updated: 12 days ago
    • Promoted
    Chief Accountant : Credit Control : FINA19813

    Chief Accountant : Credit Control : FINA19813

    City of EkurhuleniZA
    Job title : Chief Accountant : Credit Control : FINA19813.BCom Accounting Degree or relevant equivalent NQF Level 7 qualification. Advise on and provide assistance to plan, manage, implement, monitor ...Show moreLast updated: 10 days ago
    • Promoted
    Portfolio Head : UMA

    Portfolio Head : UMA

    GuardriskZA
    Job title : Portfolio Head : UMA.Role Purpose .Understands how the business operates, what the key issues and risks are that drives business success. and how they impact on the com...Show moreLast updated: 11 days ago
    • Promoted
    Credit Controller - Midrand

    Credit Controller - Midrand

    Fidelity Services GroupZA
    Job title : Credit Controller - Midrand.Collect on outstanding SecureFire amounts ensuring good results in : debtors days (DSO), cash collection and reduction of bad debt expense / write off.Credit Ma...Show moreLast updated: 30+ days ago