Job Description

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Job Advert Summary

ROLE OVERVIEW

Own the end-to-end optimisation of lending and collections by bridging operational insight and credit strategy, using actuarial and quantitative skills to deliver business impact.

ROLE PURPOSE

To lead and optimise the organisation's credit life cycle, from new loan originations through to collections, by applying advanced actuarial and quantitative methods. This role plays a critical function in developing and executing operational strategies that enhance credit decisioning, drive performance, and improve overall risk management. By bridging the gap between operations and credit, the incumbent will deliver data-driven insights and solutions that improve collections, reduce risk exposure, and support sustainable growth within the pre-owned vehicle and taxi market.





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Minimum Requirements

Post Graduate Honours Degree in Actuarial Science
Or honours or higher degree in any relevant commerce/analytical-related area
Nearly Qualified Actuary / Qualified Actuary, or
CA (SA), or
Related reputable commerce related professional qualification Minimum of 3 years' relevant work experience. Experience in credit risk is highly advantageous. Prior management experience is highly desirable. Consulting experience is considered a strong advantage. A background in industrial engineering combined with data analytics or business analytics capabilities may also be well-suited for this role, given the analytical and operational strategy focus.
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Duties and Responsibilities

Develop and enhance operational strategies for credit decisioning based on data-driven insights Ensure the effective execution of these strategies Identify, pursue and execute on revenue improvement and/or cost reduction opportunities for the business throughout the credit life cycle Explore innovative operational strategies and partnerships to drive growth in revenue and cost reduction Effectively manage and lead staff within the Operational teams Foster a cohesive and motivated team environment Business analysis and insights through conducting ongoing reviews of internal and external businesses' financials and operations Compare performance against predefined targets Provide data-driven guidance for decision-making based on financial and operational analysis Establish and maintain robust relationships with internal stakeholders, especially between operational, credit, IT and credit departments. Ensure alignment with and support of business objectives through stakeholder engagement Build and nurture relationships with external stakeholders acquired through commercial arrangements Actively participate in various business development projects. Contribute to special initiatives aimed at operational improvements. Stay informed about industry trends, emerging opportunities, and best practices. Keep the organisation competitive by applying industry knowledge. This job specification is not intended to contain a complete or exhaustive list of duties. * Any other duties that may be reasonably expected in the course of employment.