Job type: Full-time

Empowering Africa’s tomorrow, together…one story at a time.

With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job Summary

Responsibility for the management of the portfolio(s) across the Credit Life Cycle in aggregate, which comprises of the following
• Product Planning
• Credit Initiation
• Account Maintenance
• Fraud Management
• Collections & Recoveries
• Responsible for developing and adhering to business mandate and scale triggers for all products
• Setting of product risk appetite and strategies
• Policy formulation / circulars – owner of the portfolio Risk policies and Procedures and Manuals
• Provide input into developing and review of Portfolio modelling
• Analysis of management Information with appropriate recommendations to the Head of Credit
• Liaison with product/business managers and owners
Initiate, agree and monitor Collection and Recoveries strategies
• Accountability for all Credit scorecard design, implementation and review Input into Junior Consumer Credit Risk staff Performance development
• Agree and be responsible for all change initiatives in portfolio

Job Description

Main accountabilities and approximate time split

30-40% – Credit Risk Management Time Split

• Assess a customer’s business through the analysis of Business and Credit risks associated with the provision of the bank’s products and services to the customer.
• Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams.
• Act as the joint contact for credit management purposes for accountants, solicitors and other professionals.

30 – 40% – Portfolio Management Time Split

• Manage the portfolio within agreed risk appetite.
• Formulate strategies that drives growth while maintaining an acceptable level of risk to achieve agreed performance targets
• Develop a strong Risk/COO/Consumer Business partnerships

10 – 20 % – Leadership  Time Split

• Develop a highly motivated team of portfolio analysts maintaining excellent relationships within own team and wider business to ensure achievement of business goals.
• Consider the training and development needs of the team and support the development and implementation of solutions.
• Ensure effective performance development and succession planning for the team.

Technical Skills/Competencies

• Strong intellect balanced by practical and pragmatic approach
• Decisive
• Strong internal and external networking
• Analytical
• Risk Management
• Business Management
• People management and coaching
• Communications (written and oral) and presentations
• Effective negotiation and influencing
• Strong Lending skills
•  Influencing

Essential

• Comprehensive technical credit skill
• General commercial/industry awareness
• Working knowledge of risk management policies, procedures & pricing
• Working knowledge of Group policies and strategies relative to the credit function
• Product knowledge
• Detailed understanding / fit of the vision for Risk
• Detailed understanding of the Bank’s policies on Employment/Redeployment, Equal
• Opportunities and Health & Safety
• Working knowledge of local country structure and strategy
• Leadership and performance development of a team
• Managing risk and reward Preferred
• Risk management background

Risk and Controls Objectives

Manage risk and control effectively by applying applicable risk frameworks and embedding a positive risk culture

• Understanding of own role in the end to end processes in which you play a part, including applicable risks and controls.
• Adhere to Barclay’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management.
• Report all risk events / incidents / issues using the defined process for your business area and help to understand why these happened and how to prevent them in future. Proactively look for ways to improve the control environment by considering what could go wrong in the processes you operate and how errors could be prevented.
• All mandatory training completed to deadline

Technical skills / Competencies

Personal Attributes:

• Basic operations knowledge
• Strong product management, selling and negotiation skills

• Excellent communication skills enabling communication with people at all levels
• Ability to execute analytical and data driven decisions
• Ability to create and identify innovative  solutions

Essential and preferred Experience

Experience, qualifications and other requirements specific to the role What does the role holder need to know/know about and/or be qualified in?

• Degree or equivalent business experience, desirable Preferred

Postgraduate degree (e.g. MBA)Mathematical or financial qualification

Skills & Competencies

• What does the role holder need to be able to do/be good at doing?
• Highly competent in analysis and numeracy

Others * Please give details.

Absa Values

Absa’s  Values and Behaviours represent the set of standards which governs the actions of all of us who work for the bank and against which the performance of every one of us in Absa are being assessed and rewarded:

• Trust
• Resourceful
• Stewardship
• Inclusive
• Courage

Education

Higher Diplomas: Business, Commerce and Management Studies (Required)

How to Apply:

This is Full-time Job, To submit your application, please follow the link provided below.

CLICK HERE TO APPLY