About the role
Introduction
A growing business lender is seeking a Head of Credit to build and lead its credit function. Reporting to the Chief Executive Officer, this hands-on role combines credit-framework design, underwriting and portfolio ownership across secured and unsecured SMME lending. This permanent role is based in Sandton, Johannesburg, with five days per week on-site.
Role Responsibilities
Design and implement the credit framework, including policies, procedures, documentation, approval mandates and governance structures.
Build scalable processes for secured and unsecured SMME lending and take ownership of credit decisions across the portfolio.
Develop commercially sound underwriting approaches that balance speed, risk and decision quality.
Own portfolio performance, monitor emerging risks and implement timely risk-mitigation measures.
Drive disciplined risk-based pricing and deal structuring, working with commercial teams to support responsible growth.
Help shape secured and unsecured lending products and improve workflows through process design, automation and system enhancements.
Build and develop a lean credit team and establish a culture of accountability and sound judgement.
Within the first 6–12 months, establish a documented credit framework, clear portfolio-risk visibility and faster, more consistent decision-making.
Develop a detailed understanding of the business through an intensive induction, progressing from learning its operations to managing and leading the credit function.
Experience Requirements
4–8 years of credit experience, with strong exposure to SMME lending.
Hands-on experience in both secured and unsecured lending environments.
Experience operating in fast-paced or entrepreneurial businesses; experience building or improving credit processes is strongly preferred.
Strong credit judgement, analytical ability, commercial awareness and understanding of risk versus return.
Ability to build processes and documentation from first principles, make sound decisions with incomplete information and operate effectively under pressure.
A practical, accountable approach, with attention to detail, resilience and the ability to translate decisions into action.
Education Requirements
No specific formal qualification is stipulated in the brief. The stated requirements focus on relevant credit experience and demonstrated capability.