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10 Apr 2019

Credit Head

Job Description

Credit Head B – IRC167387

at Zambia, Lusaka, Zambia in FNB Zambia Credit
Ends 18 Apr 2019


The incumbent will be the Credit Portfolio Manager overseeing and managing the day to day functions of theCredit Portfolio and the leadership of theCredit team across regions and business units. The person will be responsible for designing and implementing the Credit Strategy in alignment with the Sales strategy and Head of Sales.

experience and qualifications

  • B Comm Accounting or Finance 8 to 10 Year related experience


  • Accountable for ongoing management of non-performing loan portfolio
  • Accountable for the accurate and timeous portfolio reporting
  • Align Credit Strategy and Credit Appetite with Business Sales Strategy
  • Assessment and motivation of investment spend
  • Bad Debts performance and economic outlook
  • Contribution into the Commercial budget process
  • Dynamic adjustment of models and credit appetite given
  • Ensure appropriate approval mandate framework
  • Facilitate deal making culture
  • Input into the tracking and improving of Basel Compliance
  • Manage headcount
  • Oversee cost control and actions
  • Oversee the accuracy and timeous BA return submitted
  • Oversees the ongoing credit process, systems and model requirements
  • Participate in Commercial EXCO
  • Participates in regular sales interactions and alignment
  • Participation into the innovation and design of new projects
  • Recoveries capacity and skills management
  • Responsible and oversees the implementation of projects
  • Responsible for coaching and mentorship – i.e. oversees the performance management process
  • Responsible for the ongoing, updating and reviewing of rating and scoring models
  • Set Credit Strategy, implement, execute and communicate Commercial Strategy to Credit staff
  • Targeted portfolio measurement of Credit Appetite
  • Tracking and measurement of bad debts and provisioning
  • Undertakes regional and client visits

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