Senior Manager: Credit Risk And Collections Strategy

HomeChoice is a leading omni-channel retailer, delighting our customers with an innovative range of curated products on personalized terms. Our aim is to provide multiple, convenient and easy retail shopping channels to guarantee that we meet all our customer expectations.
**Here’s what you can expect to be doing in the role**:
- Represent Credit Risk within business strategy relating to collections
- Lead the strategy to ensure a robust risk framework is in place to effectively manage collections risk to achieve the required strategic return on the portfolio
- Implement policies, strategies, and procedures to improve debtors’ costs and cash yields
- Lead a team of analysts that are responsible for forecasting the portfolio level provision and recovery of bad debt
- Ownership of the debtor costs in the income statement and work closely with finance to deliver on forecasts
- Collaborate with the Credit Operation management to execute effective strategies
- Monthly review of all strategies and recommend changes on collections and recoveries
- Establish and maintain appropriate governance and ownership of IFRS 9 models and forecasting models
- Participate in the recruitment and talent management process within Credit Risk
- Be able to build the forecast and analytical models within the Credit Risk environment
- Be skilled in SQL and data analytics to assist the Credit Risk team
- Keep abreast of regulatory changes relevant to credit risk and the portfolio
**Other**
- Some travel to Johannesburg and Durban will be required
**A little about who you are**:
- A numerate degree e.G. BCom, B Bus Sci, B Eng, BSc
- A minimum of 7 years of experience in Credit Risk
- Retail experience preferable
- Experienced in managing a team of analysts
- Advanced computer literacy skills with high proficiency in MS Excel
- Sound understanding of provisioning and IFRS 9
- The ability to integrate and interpret numerical and statistical information
- SQL skills preferable
**Our Values**
- Keep Innovating - we have the courage to contribute new ideas and turn those ideas into reality.
- Think like an entrepreneur - we treat the business like it's our own.
- Keep it real - we are mindful of the impact of our words and actions.
- Raise the bar - we strive to deliver excellence in everything that we do.