Head of Credit Risk: Credit Risk & Collections Strategy Job at homechoice – Cape Town, Western Cape

May 19, 2026 admin HOME CHOICE 0

Location: Cape Town
Job Type: Permanent
Closing Date: 30 June 2026
Industry: Retail / Financial Services (Credit Risk)
Department: Decision Science / Credit Risk

homechoice is hiring a Head of Credit Risk: Credit Risk and Collections Strategy to lead its credit risk function. This is a senior leadership role focused on credit strategy, collections optimisation, analytics, and IFRS 9 governance across a large retail credit portfolio.

About homechoice

homechoice is a leading South African homeware retailer with over 40 years of experience helping customers access affordable, quality products while managing responsible credit offerings.

About the Head of Credit Risk Role

This role is responsible for end-to-end credit risk strategy and collections optimisation, including credit policy development, forecasting, risk modelling oversight, and leadership of analytical teams.

You will work closely with finance, credit operations, and executive leadership to improve portfolio performance, reduce debtor costs, and strengthen risk governance.

Key Responsibilities

Credit Risk Strategy & Policy

  • Oversee credit risk assessment processes and underwriting frameworks
  • Design and implement credit risk policies and scoring systems
  • Manage end-to-end credit lifecycle risk workflows
  • Ensure alignment with business and regulatory requirements

Collections & Recoveries Strategy

  • Lead collections optimisation strategies to improve recovery rates
  • Reduce debtor costs and improve cash flow performance
  • Work with Credit Operations to execute and refine strategies
  • Improve customer account performance through data-driven insights

Analytics, Modelling & Forecasting

  • Design and maintain reporting tools (e.g. Power BI dashboards)
  • Use advanced analytics (SAS, SQL) for forecasting and insights
  • Lead IFRS 9 provisioning models and receivables forecasting
  • Provide executive-level reporting and credit committee presentations

Leadership & Team Management

  • Lead a team of analysts and credit risk professionals
  • Build capability within the credit risk function
  • Drive performance, accountability, and innovation
  • Mentor and develop high-performing talent

Governance, Compliance & Stakeholder Engagement

  • Engage with auditors, regulators, and senior stakeholders
  • Ensure compliance with IFRS 9 and credit governance frameworks
  • Monitor fraud risk indicators and early warning systems
  • Present insights to executive committees and forums

Minimum Requirements

Qualifications

  • Bachelor’s Degree in Statistics, Mathematics, or related numerate field
  • Honours degree (advantageous)

Experience

  • 8+ years’ experience in credit risk, collections, or recoveries
  • Experience in retail credit, banking, fintech, or financial services
  • Proven leadership experience managing analytical or risk teams
  • Strong exposure to credit modelling and strategy development

Key Competencies

  • Strong analytical and strategic thinking ability
  • Advanced forecasting and risk modelling skills
  • Excellent leadership and people management capability
  • Strong stakeholder engagement and influencing skills
  • High attention to detail and governance mindset
  • Ability to operate at executive level

Salary and Benefits

Salary is market-related and based on seniority and experience.

Why Apply for This Role?

  • Executive-level leadership role in a major retail credit environment
  • Opportunity to shape national-level credit and collections strategy
  • Exposure to advanced analytics and IFRS 9 governance
  • Strong influence across finance, operations, and executive teams
  • High-impact decision-making role

Career Growth Opportunities

This role can lead to:

  • Chief Risk Officer
  • Head of Analytics / Decision Science Director
  • Group Credit Executive
  • Risk Strategy Executive roles in banking or fintech

How to Apply

Apply through official homechoice recruitment channels or visit:
homechoice Careers

APPLY HERE

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