Job Description

AVBOB Financial Services is seeking a dedicated Credit and Operations Specialist to lead and manage our Credit and Operations team. The ideal candidate must have strong leadership skills, in-depth knowledge of credit management, and a passion for process improvement. This role involves supervising the day-to-day activities of the team, overseeing credit assessments, ensuring compliance with credit policy, managing loan applications, and driving collections efforts.



You will be working for a company that is over 100 years old with strong values. In return for your services, you will be paid a competitive remuneration package. You will be working for an organization that values employee development and rewards excellent performance.

Key Responsibilities

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Supervise daily activities in loan underwriting, account management, and collections. Streamline processes and enhance operational efficiencies. Develop and implement effective debt collection operational plans. Track performance metrics, identify bottlenecks, and make improvements to systems and processes. Ensure compliance with company credit policies, manage overdue accounts, and minimize bad debts. Conduct daily dipstick of disbursed loans to ensure policy compliance. Monitor customer accounts to ensure timely repayment and adherence to loan schedules. Ensure all credit and lending activities comply with AFS's policies, the RMCP, South African regulations, and the National Credit Act (NCA). Collaborate with stakeholders to adapt policies to regulatory changes and market conditions. Provide internal and external audits with necessary information and implement agreed actions. Provide timely feedback to management on customer enquiries. Ensure all customer dealings adhere to "Treating Customer Fairly" (TCF) principles. Compile regular reports on credit control activities, loan performance, delinquency rates, recovery processes, and more. Respond to internal and external audit queries. Lead departmental meetings and provide insights on operational performance. Develop training programs and identify training needs for the team. Implement discipline and address incidents that fall outside the norm. Manage staff leave, conduct performance appraisals, and provide coaching to improve performance. Work with the Credit and Operations Manager to improve credit control processes. Assist in implementing system upgrades or automation to enhance efficiency. Monitor the workflow system and resolve any system-related challenges. Analyse credit data to assess policy effectiveness and recommend changes to improve risk management. Identify potential risks in the loan portfolio and implement strategies to mitigate them. Address delinquent accounts and reduce the company's exposure to credit risk. Prepare monthly Risk Control Self-Assessment reports.


Bachelor's degree in finance, economics, or a related field. 5 years of experience in consumer lending, including at least 3 years in a supervisory role. Strong understanding of credit risk principles, with focus on originations, collections, and business strategy. Knowledge of industry best practices and trends. Leadership and team management skills. Strong analytical, decision-making, and communication skills. Ability to motivate and inspire a team to meet performance targets. * Proficiency in various software tools and financial analysis