Senior Manager Credit Support at Nedbank

Job Purpose


To lead and execute the quality assurance, back‑testing, and credit verification function across Personal & Private Banking credit products.
The role ensures that credit assessment decisions adhere to policy, identifies trends and exceptions, strengthens affordability logic, and provides a feedback loop to support automation enhancements.
This role is critical to mitigating credit risk, improving decision quality, and enabling a consistent, policy‑aligned credit assessment environment.


Job Responsibilities

Quality Assurance & Policy Adherence


Conduct back‑testing of credit assessment decisions across PPB products (Home Loans, Vehicle Finance, Credit Cards, Personal Loans).
Identify policy deviations, rule overrides, affordability gaps, and control breakdowns.
Develop and maintain a sampling methodology and assurance framework for ongoing monitoring.
Produce clear, auditable evidence of findings and ensure corrective actions are implemented.


Credit Verification (Approval to Registration Cycle)


Perform verification on approved cases where conditions may change prior to loan registration (e.g., income changes, affordability deterioration).
Investigate discrepancies proactively and escalate material risks.


Automation & Affordability Model Support


Provide a structured feedback loop into automation teams, data teams, and affordability model owners.
Highlight patterns emerging from QA (e.g., income anomalies, behavioural trends, system gaps).
Recommend enhancements to data usage, rules, and calculation logic based on ground‑level insights.


Reporting, Insights & Decision Support


Prepare and present high‑quality analytical reports to senior stakeholders, including Credit Heads and functional leads.
Identify trends, systemic issues, and improvement opportunities across channels and products.
Translate complex findings into practical operational and strategic recommendations.


Stakeholder Management & Collaboration


Engage consistently with multiple stakeholders (Sales, Credit Executives, Legal, Technical/Model teams).
Build strong relationships to resolve issues, close gaps, and drive adoption of QA insights.
Provide constructive feedback to assessment teams to improve judgement, consistency, and policy alignment.


Operational Governance & Continuous Improvement


Contribute to enhancing credit processes, controls, and governance frameworks.
Participate in initiatives aimed at improving decision quality, turnaround time, and risk mitigation.
Maintain awareness of PPB policies, risk appetite, regulatory requirements, and system changes.


Leadership & Functional Ownership


Own the QA/verification function end‑to‑end, operating with autonomy and setting standards for the discipline.
Provide coaching, guidance and upliftment to team members or dotted resources where applicable.
Drive a culture of continuous improvement, accountability, and collaboration.


Essential Qualifications - NQF Level



Diploma



Preferred Qualification



Degree in Finance, Business, Risk Management, Administration, or a related discipline.



Minimum Experience Level


5+ years experience in a banking credit assessment environment (mandatory).
Experience performing quality assurance, back‑testing, or verification of credit decisions.
Exposure to multiple PPB products advantageous.
Experience engaging and influencing senior stakeholders and cross‑functional teams.
Demonstrated ability to operate independently and drive processes without oversight.


Technical / Professional Knowledge


Business administration and management
Change management
Client service management
Communication Strategies
Consumer behaviour
Financial Accounting Principles
Governance, Risk and Controls
Strategic planning
Management information and reporting principles, tools and mechanisms
Diversity management


Closing date: 29 January 2026