Head, Business and Commercial Banking Credit, Africa Region & Offshore

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

A strategic Risk leadership role to drive a Centrally organised and regional executed credit risk operating model across 14 African countries and Standard Bank Offshore working in partnership with senior Country, regional and BCB business and Credit stakeholders. The operating model includes inter alia the setting of credit risk appetite aligned to strategic portfolio strategies and the development of in country capabilities to decision on credit and provide the necessary account management.

The individual will be appointed to the BCB Risk Executive Committee with the requirement to contribute to the strategic intent of the broader Risk function in BCB and will report to the Chief Risk Officer: BCB.

Three Regional Heads of Credit will report into the incumbent.  The role is an office-based role in Johannesburg with the expectation that the individual will travel to markets in which BCB is represented.

Type of Qualification: Post Graduate Degree

Field of Study: Commerce, Law, Engineering, Actuarial



Experience Required

Credit Risk – BCB

Risk & Corporate Affairs

More than 10 years

10 years' plus experience, including 5-7 years as a credit operations or portfolio manager in credit. Prior experience with portfolio management, cash flow lending principles, credit workflow management tools and automated decisioning technology recommended. An in-depth experience in building business capabilities in financial institutions,  risk management and strategic stakeholder relationships important with the aim of driving Business Strategy to drive better customer outcomes and financial results.

Behavioural Competencies:

• Strong leadership quotient
• Attention to detail
• Relationship building at a senior level across cultures
• Building capabilities to drive outcomes with an impact at a customer level and financial level for BCB
• Challenging Ideas leading to constructive outcomes
• Developing and executing on strategies
• Driving and embracing Change
• Empowering Individuals to drive personal development and growth
• Making Impactful Decision driving better customer and financial outcomes

Technical Competencies:

• Exceptional financial literacy
• Credit Assessment & Approval
• Credit analytics
• Driving credit strategies on a forward-looking basis in a constantly evolving environment aligned to business strategy
• Distressed debt solutioning, leading to better customer outcomes and reduced impairments

Please note: All our recruitment processes comply with the applicable local laws and regulations.

We will never ask for money or any form of payment as part of our recruitment process. If you experience this, please contact our Fraud line on +27 800222050 or [email protected]