Credit Risk Vetting Consultant Purpose of the Role The Credit Risk Vetting Consultant is responsible for assessing customer applications and determining creditworthiness in line with responsible lending principles and internal credit policies. The role involves conducting affordability assessments, evaluating financial information, identifying potential risks, and making informed credit decisions while ensuring compliance with regulatory requirements. Key Responsibilities Assess credit applications accurately and within agreed turnaround times. Review customer financial information, supporting documentation, and credit bureau reports. Conduct affordability and risk assessments in line with responsible lending practices. Analyse income, expenses, debt obligations, and overall repayment capacity. Identify potential credit risks and escalate applications where necessary. Make sound credit recommendations based on available information and policy guidelines. Ensure all assessments are properly documented and supported by clear rationale. Maintain compliance with applicable legislation, regulations, and internal procedures. Liaise with customers and internal stakeholders when additional information or clarification is required. Consistently meet quality, productivity, and service level targets. Minimum Requirements Qualifications Grade 12 / Matric (Essential) Relevant tertiary qualification in Finance, Banking, Business, Commerce, Credit Management, or a related field (Advantageous) Experience Experience in credit vetting, credit risk assessment, lending, banking, financial services, underwriting, or collections environments. Exposure to affordability assessments and credit decision-making processes will be advantageous. Customer service, retail banking, or contact centre experience is beneficial. Knowledge and Skills Understanding of credit risk assessment methodologies. Knowledge of affordability calculations and responsible lending principles. Strong analytical and numerical skills. Sound judgement and decision-making ability. High attention to detail and accuracy. Ability to interpret financial information and supporting documentation. Strong communication and stakeholder engagement skills. Computer literacy and ability to work across multiple systems. Good problem-solving and time management skills. Competencies Analytical Thinking Attention to Detail Decision Making Accountability Integrity Customer Focus Resilience Results Orientated Teamwork Adaptability Ideal Candidate Profile The ideal candidate is a detail-oriented and analytical professional who can assess financial information objectively and make sound credit decisions. They are comfortable balancing customer service requirements with risk management principles and can confidently justify recommendations based on facts, affordability outcomes, and policy requirements. Key Performance Indicators (KPIs) Credit assessment quality and accuracy Compliance with lending policies and procedures Productivity and turnaround times Risk identification and mitigation Customer service standards Adherence to regulatory requirements Record keeping and documentation accuracy Products Typically Assessed Personal Loans Credit Cards Overdraft Facilities Revolving Credit Products Other Consumer Lending Products Success in the Role Success in this position is achieved through consistently making responsible lending decisions, maintaining high assessment accuracy, identifying potential risks, meeting productivity targets, and ensuring a positive customer experience while protecting the organisation from unnecessary credit exposure.