ABOUT US

At Mercedes-Benz Financial Services South Africa (MBFS SA), we pride ourselves on our reputation for service excellence and our care in providing flexible, innovative and tailor-made finance and insurance solutions. To achieve our goal of being the first-choice provider of vehicle financial products and services, we are looking for talented, diverse and inspired people with the skills, experience and innovative spirit to provide a first-class experience at every turn.

THE OPPORTUNITY
We currently have an exciting opportunity for a Manager Credit (Retail, Wholesale & Corporate) to join our highly skilled Credit Operations team. This role Credit Operations to a whole new level, encouraging you to exceed business needs and work in a collaborative team who are just as passionate as you to provide exceptional experiences.

JOB OVERVIEW

This role is responsible for leading, coordinating, monitoring, managing, and reporting on the Mercedes-Benz Financial Services South Africa (MBFS SA) Credit portfolio for both Retail and Wholesale sectors. The primary goal is to ensure sound credit decision-making, strong portfolio performance, and robust risk governance, adhering to MBFS SA credit policies, risk appetite, Delegation of Authority, and KPI targets. The role also involves close collaboration with MBSA, Agents, internal stakeholders, and external service providers to facilitate sustainable growth and an efficient customer/agent experience, without compromising risk or customer outcomes.   

KEY TASKS:

Lead Credit Operations & Risk Management:

• Lead and develop the Credit Team, fostering a high-performance culture.

• Drive continuous team development and stay updated on market and regulatory changes.

•  Ensure optimal credit decisioning capacity, service levels, and customer experience.

• Oversee comprehensive fraud risk management (Retail & Wholesale), including investigations and controls.

• Ensure consistent and timely e-KYC validations and remediation.

• Manage credit bureau listings, dispute resolution, and regulatory compliance.

• Ensure agreed turnaround times and service levels are consistently achieved across Retail, Wholesale and Corporate credit decisioning.

   

Credit Portfolio & Governance Lead:

•   Manage Retail and Wholesale credit portfolios, monitoring risk and reporting insights. This includes oversight of Corporate Business facilities, limits and ongoing credit performance.

•  Ensure consistent credit decisioning, quality assurance, and policy application across all segments.

• Implement best-practice credit governance for Wholesale & Corporate, including reviews and covenant tracking.

• Oversee Wholesale floor plan/stocking controls, audits, and reconciliation.

• Lead credit-related projects and change initiatives from definition to implementation.

• Manage Global Product Database (GPD) governance for credit products, parameters, and rules.

• Support credit strategy, continuous improvement, and policy/process enhancements.

• Operate within Delegation of Authority, escalating exceptions and engaging second-line support.

Stakeholder Engagement & Governance:

• Build strong relationships with internal and external stakeholders, including MBSA and Agents.

• Manage regulatory queries and complaints, ensuring timely responses and remediation.

• Promote a strong control environment, adhering to policies, data protection, and AML/KYC.

• Oversee supplier/service provider management for credit operations.

• Prepare and present credit packs for governance forums, managing exceptions and post-approval conditions.

• Represent Credit in cross-functional forums and contribute to governance and risk committees.

WHAT ARE WE LOOKING FOR?

Our mission at MBFS SA is to provide consistently outstanding brand and customer experience through outstanding preparation, attitude and teamwork. Our purpose is to create an effortless experience by providing ease and convenience in all our interactions with others.

In order to achieve our goals and be part of our team you will demonstrate the following:

Attributes:

•  Professionalism

•  Self-confident

• Self-management

• Emotional intelligence

• Strategic thinking

• Must be detail oriented

• Ability to prioritize to meet deadlines

In addition, we look for the demonstration of the following key Skills:

• Computer literacy (MS Office)

• Analytical skills

•  Presentation skills

• Written & verbal communication

•  Problem solving skills

•  Business acumen & Interpersonal skills

   

SPECIFIC KNOWLEDGE:

• Expertise in credit lending principles and operational best practices across Retail, Wholesale, and Corporate Business.

• Strong understanding of relevant credit legislation (NCA), AML/KYC, POPIA, and conduct risk.

• Proven ability to motivate, inspire, and develop teams, with strong judgment under pressure.

• Mindset for operational excellence, process discipline, and continuous improvement.

• Customer and agent-centric approach balanced with robust risk standards.                                                                                                                     

COMPETENCIES:

• Planning, prioritisation and execution discipline.

• Risk mindset and ethical judgement; ability to challenge effectively and escalate when needed.

• Change leadership and continuous improvement orientation.

• Collaboration and influencing across functions (including MBSA interface).

   

QUALIFICATIONS & EXPERIENCE:

• Bachelor’s degree (NQF Level 7) in Finance, Accounting, Economics or related qualifications.

• Minimum 5 years' experience in financial services, ideally in vehicle and asset finance (Retail Credit, Wholesale agent finance, Corporate Business credit).

•  NCA accreditation (or ability to obtain within an agreed timeframe).

• Wholesale/Commercial credit training/experience advantageous.

• Leadership and people management training advantageous.

   

What is it like to be part of Mercedes-Benz Financial Services SA?

We represent an extraordinary brand by fulfilling our founders’ promise to deliver ‘The Best or Nothing’ which requires the efforts and talents of many exceptional people. Recognised as the Top Employer in the South African automotive industry, our passion for our people also extends to Employee Recognition and Reward programs, as well as providing access to learning and development opportunities. We strive to make our workplace one in which individuals feel challenged, fulfilled, and are able to reach their full potential. We are committed to providing a great workplace environment that fosters a culture of openness, support and camaraderie. 

Mercedes-Benz Group of Companies South Africa is proud to be an equal opportunity employer.  All qualified applicants will be considered; however the following will apply:

• Foreign nationals must qualify for a work visa/permit as per the provisions of the Immigration Act 13, 2002.

• Division’s Employment Equity Plan in terms of the Employment Equity Act, No 58, 1998.

• As part of the recruitment process, shortlisted candidates should be willing to undergo an Assessment Centre.

CLOSING DATE: 24 APRIL 2026

Strictly no CVs will be considered sent via email.
The email address provided is only for queries on this specific requisition.