Analyst Credit Risk Cvm
1 week ago
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.
Job SummaryThe collections and debt review team is the last line of defence in the credit risk value chain.
To support the outperformance ambition of Everyday Banking, collections analysts are expected to demonstrate excellent understanding of risk management, data analytics and collections strategy.
The responsibilities of a collections analyst are outlined in this document, and performance objectives are to be aligned with this guideline.
Empowering Africa's tomorrow, 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.
Job SummaryThe collections and debt review team is the last line of defence in the credit risk value chain.
To support the outperformance ambition of Everyday Banking, collections analysts are expected to demonstrate excellent understanding of risk management, data analytics and collections strategy.
The responsibilities of a collections analyst are outlined in this document, and performance objectives are to be aligned with this guideline.
Job Description EB Risk:
Collections & Debt Review The collections and debt review team is the last line of defence in the credit risk value chain.
To support the outperformance ambition of Everyday Banking, collections analysts are expected to demonstrate excellent understanding of risk management, data analytics and collections strategy.
The responsibilities of a collections analyst are outlined in this document, and performance objectives are to be aligned with this guideline.
Collections strategy management:
Demonstrate in-depth understanding of the portfolioClear understanding of collections and impairments, and the drivers thereofClear understanding of the documented strategy and policy within portfolioConduct quality credit risk assessments and reviews for all BAU processes and strategyProactively manage credit risks associated with clientsDesign and develop data driven collections strategies by identifying gaps, providing solutions, and aligning to overall portfolio strategy, e.g.
, provide insights and solutions to inform STP/RAF targetsEmbed enhancements to collections strategies through rigorous research and interrogation of dataData and Systems Management:Drive ownership of BAU, Ad-Hoc, and automated SAS codes (i.e., know the data sources used, logic applied)
To produce and analyse relevant management information and insights within stipulated SLAPerform quality data analysis and data processing techniques (i.e.
, sourcing, cleaning, analysing, validation and consolidating large data sets utilising strong SAS skills and identifying anomalies/trends)Governance:
Adhere to the bank's credit risk policies and all relevant legislationComplete compliance training within given timelinesSupport end-to-end audit and governance processesKeep abreast with regulatory changes as it relates to collectionsAlign to BU and industry best practicesSupport processes relating to portfolio forums, i.e., minute taking, completing actions on the action log, updating discussion papers, etc.
Understand, investigate, and provide thorough feedback on exceptionsSave analytics and BAU files on the shared drive, adhering to agreed standardsCustomer and stakeholder management:Liaising with relevant stakeholders, including IT, Operations, Finance, and other Risk teamsSupport the investigation and resolution of all escalated customer complaintsActive participation and constructive engagement at various forums, e.g., CRF, PQR, Ops engagement sessions.
Presentation of analytical results and proposals to both technical and non-technical audiences, providing commentary as requiredDrive a collaborative culture with peers through knowledge sharingSoft skills Communicate effectively with all stakeholdersConduct oneself professionallyAcknowledge stakeholder emails, calls, and other communication (i.e., follow up where required)Manage time and workload EducationBachelor`s Degrees and Advanced Diplomas:
Business, Commerce and Management Studies (Required)Absa Bank Limited is an equal opportunity, affirmative action employer.
In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.
Absa Bank Limited reserves the right not to make an appointment to the post as advertised About UsTruly AfricanWe are a diversified standalone African financial services group, delivering an integrated set of products and services across personal and business banking, corporate and investment banking, wealth, investment management and insurance.
Absa Group Limited is listed on the JSE and is one of Africa's largest diversified financial services groups with a presence in 12 countries across the continent and around employees.
We own majority stakes in banks in Botswana, Ghana, Kenya, Mauritius, Mozambique, the Seychelles, South Africa, Tanzania (ABSA Bank in Tanzania and National Bank of Commerce), Uganda and Zambia.
We also have representative offices in Namibia and Nigeria, as well as insurance operations in Botswana, Kenya, Mozambique, South Africa, Tanzania and Zambia.
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