Manager: Credit Risk SME

Job Requisition Details

Requisition ID: 148023

Location: Johannesburg, Gauteng

Closing Date: 13 October 2026

Talent Acquisition: Bongiwe Mchunu

Job Family

Business and Commercial Banking SME - Credit

Career Stream

Leadership Pipeline

Manage Self Professional

FAIS Affected

Job Purpose

To provide client service by applying sound credit risk management principles through management of staff thereby enabling Nedbank to reduce the SME impairment charge with the view to rehabilitate, in line with the business strategy.

Why Join Our Team

Job Responsibilities

• Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS).
• Ensure efficient work ethic and achievement of business unit strategies & goals by proposing innovative ideas to enhance Business processes that facilitate customer experience.
• Provide feedback monthly by drafting business reports as at month end.
• Build and maintain effective working relationships by attending regular staff meeting and team building sessions.
• Build strong relationships with bankers by providing upskilling advice on credit processes, policies and documentation.
• Build intellectual capital of the team by knowledge sharing with all stakeholders.
• Meet clients' expectations by resolving queries within turnaround times.
• Manage staff performance by monitoring daily activities of direct reports.
• Manage performance of the team by conducting on the job training, counselling and coaching.
• Manage efficiency of team delivery by drafting and implementing team's strategies.
• Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to Recoveries Centre.
• Enhance policies and procedures by reviewing recommended submissions from other parties.
• Enhance processes by constantly seeking innovative improvements to the credit systems.
• Adapt to changes in Legislation by enforcing the compliance to the changes.
• Improve team performance by identifying staff performance gaps from assessment evaluations and analysing performance data from the Management Information System (MIS).
• Ensure clean audit in area of responsibility by enforcing adherence to bank policies, process and procedures and industry regulations.
• Implement sound credit risk management by providing advice on specialized credit risk matters to sales and direct reports.
• Develop client exit or rehabilitation strategies by conducting annual review of client facilities.
• Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required.
• Mentor and coach staff on identified performance gaps by discussing these performance gaps and agree on appropriate action to be taken.
• Motivate staff to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.
• Address issues raised in culture surveys by participating in the development and implementation of action plans.
• Create a client service culture through various required interventions.
• Support and encourage staff to participate and support corporate responsibility initiative.
• Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
• Encourage team to generate innovative ideas and share knowledge.

Essential Qualifications - NQF Level

Preferred Qualification

Minimum Experience Level

Technical / Professional Knowledge

Behavioural Competencies