Commercial Credit Manager (Wesbank Fleet) needed at WesBank

Job Description

• To optimize judgmental credit decisioning processes and outcomes through the efficient management of resources and focusing on assessing and structuring credit applications, mitigating risk and establishing sound working relationships with business partners
• Deliver against operational and cost targets
• Prioritise resource allocation to minimise and reduce wastage
• Monitor costs for the financial year according to the operational plan
• Allocates and approves expenditure
• Review cost reports and resolves or explains variances to the budget Identify, control and escalate potential risks that may lead to increased costs
• Manage costs or expenses within approved budget to achieve cost efficiencies
• Ensure full understanding of customer needs to deliver a quality service Ensure customer service solutions are aligned to the business operational plan; Organisational values and service standards
• Communicate how customer service solution will be implemented and secures buy-in
• Ensure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service options
• Ensure resolution of customer queries and complaints timeously and ownership of issues
• Analyse customer feedback to help improve customer service
• Propose ideas to improve customer service
• Build relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-in
• Engage in cross-functional relationships to obtain and to provide work support Deliver customer experience excellence aligned to Organisational values and service standards
• Build professional long-term relationships with customers based on trust that builds the brand
• Collect and interrogate information and feedback to ensure full understanding of customer needs to deliver a quality service
• Deliver service that exceeds customer expectations through proactive, innovative and appropriate solution selection and application
• Provide customers with relevant information to keep them informed of products and service options Implement, monitor and control business processes according to quality standards; policy; and compliance and governance requirements in area of accountability
• Ensure the development, alignment, mapping and implementation of end-to-end processes aligned to the customer journey map
• Research, enable and consult on improvements and opportunities to harness technology and platform enablement
• Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancy
• Monitor customer feedback reports and align processes to maximise efficiencies
• Manage team delivery against goals in the area of responsibility
• Manage performance moderation, disciplinary action, recognition and retention processes in line with HR policies and procedures
• Participate in Talent Management practices and processes in line with HR policies and procedures
• Implement employment equity plan targets in all recruitment and employee movement activities
• Manage performance of employees by clearly defining goals and objectives and providing direction, coaching and regular feedback
• Ensure skills are transferred in specific functions Ensure conflict resolution and respond to any complaints or concerns
• Set relevant stretch goals for team and motivate achievement
• Understand competencies and skills required for own and employee’s development and performance
• Identify development needs and select effective solutions to address own and employee development needs
• Ensure that each employee prepares a personal development plan that is implemented and reviewed as required
• Provide on the job coaching and guidance Support and develops talent in line with local legislative requirements
• Align current and future workforce plans to local legislative requirements and ensures people decisions positively influence the achievement of the business area transformational targets
• Ensure decisions made enables the achievement of the Employment Equity targets
• Foster an inclusive environment where all people can thrive and contribute towards the sustainable success of the organisation

Qualifications and Experience

• Relevant Degree/Diploma in Finance or similar
• 5 years’ experience in a similar environment, of which 1 to 2 years ideally at junior (entry level) management level 
• Fleet Management Experience will be advantageous