About the position
Job Title: Head of Credit Control
Location: Midrand
Salary: R70 000 per month (Negotiable)
Job Type: Full-Time
Introduction
A leading financial services organisation is seeking a Head of Credit Control to oversee the credit risk function for a payroll-deducted debt consolidation loan product. This role plays a critical part in managing portfolio health, driving credit strategy, and ensuring sustainable risk-return performance.
Job Description
Key Responsibilities
- Lead the performance management of the organisation's credit scorecard.
- Monitor portfolio trends, expected loss curves, and behavioural analytics.
- Identify risk migration and propose proactive credit policy adjustments.
- Evaluate and enhance business rules and retention scoring logic.
- Manage model governance, recalibration, and scorecard validation cycles.
- Prepare and present monthly/quarterly Credit Committee reports.
- Provide insights for pricing, product design, and strategic alignment.
Minimum Requirements
- 7+ years' experience in credit risk or senior credit analytics.
- Experience in unsecured or payroll-based lending.
- Strong background in credit scoring, model development or validation.
- Advanced analytical skills (SQL, Python, or similar).
- Experience presenting to Exco / Credit Committees.
- Bachelor's degree in Actuarial Science, Statistics, Finance, Economics, or related field (postgraduate advantageous).
Package & Remuneration
- Salary: R70 000 p/m (Negotiable based on experience and qualifications)
- Employment: Permanent
Desired Skills:
- Risk Management
- Lending
- Credit Management
- Credit Risk
Desired Qualification Level:
