Financial Manager

• Prepare monthly, and annual credit-related financial reports for the Broader Africa portfolio.
• Analyse loan book performance, non-performing loans (NPLs), provisions, and recoveries.
• Provide variance analysis against budget and forecast, highlighting key drivers.
• Support preparation of credit-related inputs for group and management reporting packs.

• Support the calculation and review of expected credit losses (ECL) in line with IFRS 9.
• Prepare journals to assist countries in ensuring that general ledger agrees to output of credit models
• Liaise with risk teams to validate staging movements and coverage ratios.
• Maintain PMA and related overlay reporting
• Ensure proper accounting treatment of credit impairments, write-offs, and recoveries with specific focus on schedule 24 reporting

• Partner with the credit analytics team as well as country teams to incorporate credit-related assumptions in annual budgets and monthly forecasts.
• Model different credit scenarios and stress testing impacts on profitability.

• Ensure compliance with internal credit policies, group finance standards, and regulatory requirements across jurisdictions.
• Support internal and external audit requirements for credit-related financial information.

• Collaborate with country finance teams, risk teams, and group reporting functions to ensure alignment and timely delivery of credit finance information.
• Provide insights to senior management on trends, risks, and opportunities within credit portfolios.

• Education: CA preferred.
• Experience: 3–5 years’ experience in finance, credit risk finance, or financial reporting (banking/financial services sector preferred).
• Strong understanding of credit products, IFRS 9, and provisioning methodologies

• Strong financial modelling and analytical skills.
• Solid understanding of IFRS accounting standards, particularly IFRS 9.
• Proficiency in Excel, essbase and HFM
• PowerBi and SAS experience would be beneficial.

• High attention to detail and accuracy.
• Strong problem-solving and critical-thinking skills.
• Ability to work effectively across diverse geographies and cultures.
• Strong communication skills (both written and verbal).
• Ability to work under pressure and meet tight deadlines.

• Accuracy and timeliness of credit finance reports and analyses.
• Quality and reliability of ECL calculations and impairment reporting.
• Compliance with group and regulatory requirements.
• Stakeholder satisfaction and support for decision-making.
• Contribution to improved portfolio performance insights and risk management

• Opportunities to network and collaborate.
• Challenging Working
• Opportunities to innovate.

• Curious & courageous - you are driven by always wanting to know more and learn more and you are brave enough to
• Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it.

FirstRand