Credit Portfolio Manager Job Vacancy in Johannesburg, South Africa – Banking & Finance

Job Description

Position: Credit Portfolio Manager

Company: Standard Bank Group

Location: Johannesburg, South Africa

Experience: 5+ years in credit analysis, portfolio management, and risk assessment

Education: Bachelor's degree in Finance, Economics, Business Administration or related field

Employment Type: Full-time

Industry: Banking & Finance

Department: Credit Risk Management

Salary: SSP 600,000 – 900,000 per annum

Vacancies:1

Company Overview

Standard Bank Group is one of Africa's leading financial institutions, offering a comprehensive range of banking services to individuals, corporates, and institutions across the continent. With a heritage spanning over 150 years, Standard Bank is committed to driving sustainable economic growth, fostering innovation, and delivering exceptional customer experiences. The bank operates in more than 20 countries, employing thousands of professionals who champion financial inclusion and responsible banking. As a top employer in South Africa, Standard Bank provides a dynamic environment where talent thrives, and career pathways are clearly defined. This role contributes directly to the bank's strategic objectives of strengthening credit portfolios, mitigating risk, and supporting the broader economic development of South Africa.

Job Overview

The Credit Portfolio Manager will lead the management of a diversified portfolio of corporate and commercial credit exposures, ensuring optimal risk‑adjusted returns. Reporting to the Head of Credit Risk, the successful candidate will develop credit strategies, monitor portfolio performance, and collaborate with relationship managers to drive sustainable growth. This position offers a unique opportunity to influence credit policy, engage with senior stakeholders, and play a pivotal role in the bank's risk management framework. For more information on similar opportunities, visit the South Africa Jobs portal.

Key Responsibilities

• Analyze and assess credit proposals, ensuring alignment with risk appetite and regulatory standards.
• Monitor portfolio performance, identify emerging risks, and implement corrective actions.
• Develop and maintain credit risk models, stress‑testing scenarios, and risk‑adjusted pricing strategies.
• Collaborate with relationship managers to structure financing solutions that meet client needs while protecting the bank's interests.
• Prepare comprehensive credit reports and present findings to senior management and the credit committee.
• Lead periodic portfolio reviews, including asset quality assessments and concentration risk analysis.
• Stay abreast of macro‑economic trends, industry developments, and regulatory changes affecting credit risk.
• Mentor junior analysts and promote best practices in credit underwriting and portfolio management.

Required Skills

• Strong analytical and quantitative abilities with proficiency in financial modeling.
• In‑depth knowledge of credit risk assessment, loan structuring, and portfolio management.
• Excellent communication and presentation skills for interacting with senior stakeholders.
• Proficiency in credit risk software, MS Excel, and data visualization tools.
• Ability to work independently, prioritize tasks, and meet tight deadlines.
• High ethical standards and a commitment to compliance and governance.

Education

A Bachelor's degree in Finance, Economics, Business Administration, or a related discipline is required. Professional certifications such as CFA, FRM, or CPA are advantageous and demonstrate a commitment to continuous learning.

Experience

Applicants must have a minimum of five years of experience in credit analysis, portfolio management, or related risk functions within the banking or financial services sector. Experience managing large, diversified credit portfolios and exposure to corporate lending is essential.

Salary

The role offers a competitive salary range of SSP 600,000 to 900,000 per annum, commensurate with experience and qualifications. Performance‑based bonuses and long‑term incentive plans are also part of the total remuneration package.

Benefits

• Comprehensive medical, dental, and vision coverage.
• Pension fund contributions and retirement planning assistance.
• Generous paid leave, including annual, sick, and parental leave.
• Employee assistance programs and wellness initiatives.
• Access to professional development funds and tuition reimbursement.

Training

• Structured onboarding program covering credit policies, risk systems, and corporate culture.
• Ongoing training in advanced credit analytics, regulatory updates, and leadership development.
• Opportunities to attend industry conferences, workshops, and internal knowledge‑sharing sessions.

Working Environment

Standard Bank offers a collaborative, inclusive, and technology‑driven workplace located in the heart of Johannesburg's financial district. Employees benefit from modern office spaces, flexible working arrangements, and a culture that encourages innovation and continuous improvement. The bank's commitment to diversity and inclusion ensures that all team members feel valued and empowered to contribute their best.

Application Process

Interested candidates should submit an online application through the Standard Bank careers portal, attaching an up‑to‑date CV and a cover letter outlining relevant experience and motivation. Shortlisted applicants will be invited to complete a competency‑based interview and a technical assessment. The recruitment process is designed to be transparent, fair, and efficient.

Equal Opportunity Statement

Standard Bank Group is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration for employment without regard to race, colour, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status. Join us and be part of a team that drives positive change across South Africa.