Regional Manager- Retail Credit Risk

1 week ago

Johannesburg, Gauteng, South Africa Absa Bank Limited Full time
Bring your possibility to life Define your career with us

  • 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 Summary

To lead and direct the end-to-end management of credit risk for the countries and regional functional activities allocated. The total ARO Portfolio consists of 10 markets.

The role holder is expected to:

  • Transform the way Retail Risk is managed in order to reflect the growth strategy of ARO.
  • Manage the allocated ARO Africa Retail Credit Risk portfolios and profile within its risk appetite and acceptable Group parameters.
  • Develop a high performance culture in the country risk teams.
  • Driving the development of the ARO Retail Credit Risk and Portfolio agenda and underpinning performance metrics/infrastructure in a multigeography environment.
  • Ensure that the inCountry Collections Operations are operationally capable of delivering on the business & credit risk strategies and key performance priorities including the strategic management, financial results and the risk management framework.

Job Description:

Key Accountabilities

Contribute to the development of a world class ARO cluster credit risk model infrastructure (50%)

  • Lead Retail Credit Risk Policy, Portfolio Management and strategy for allocated ARO markets and functional activities ensuring a robust risk framework and that the strategic risk is effectively managed to deliver the agreed returns.
  • As the key member of the ARO Regional Risk team recommend policies, strategies and procedures to improve the management of the endtoend credit life cycle in line with the ARO Retail and Business Banking Strategy.
  • Lead the articulation of the Retail Risk Management framework for specified risk types (credit, portfolio, operational risk) in allocated countries.
  • Articulate and establish appropriate governance for the allocated country Retail Credit Risk teams.
  • Contribute to the establishment of an appropriate strategy and enabling policies for the Centre Regional Credit Risk teams as well as the country Risk and Collections teams in line with the RBB strategy.
  • In partnership with the Country Retail Credit Risk and Collections teams, take responsibility for the retail credit risk strategy performance in delivery of the plan. The plan covers acquisition, account management and collections and recoveries strategies.
  • Partner with country product teams in designing product life cycle management strategies including market demands, test & learn programs, pricing & returns, technology trends, as well as drive innovation by working with internal & or external partners/alliances.
  • Oversee identification and execution of opportunities and gaps business plans.
  • Own and drive the review and /or rollout of allocated Regional initiatives or thematic activities across the 10 markets in partnership with incountry Heads of Credit, incountry Heads of Collections and recoveries and Centre Regional Team.
  • Actively participate and contribute towards systems, processes and procedures build or enhancements.
  • Partner with the incountry Heads of Risk and Collections in in designing and executing collections and recoveries strategies.
Risk Management & Control 35%

  • Contribute to the articulation and establish appropriate governance as a SBU and for all of the allocated markets or regional initiatives across the entire credit life cycle in line with the ARO strategy.
  • In partnership with the Country Retail Credit Risk and Collections teams, take responsibility for the Retail credit risk strategy performance and control environment in delivery of the plan.
  • Support the Head of Retail Credit Risk and Head of Collections in delivering the Retail Credit Risk performance and control plan.
People Management 15%

  • Contribute to the improvement in retail credit risk capability in terms of people, process and measurement for allocated markets.
  • Contribute to the development of mobility and talent management plan across the RoA regional teams.
  • Actively participate in the regional and country performance management and recruitment process.
  • Ensure alignment of strategic plan to people capabilities and capacity.
Perform all other duties as reasonably assigned

Education and Experience Required

Bsc-degree Honours or B.Com Honours. MBA or a related NQF Level 9 equivalent qualification a strong advantage.

(5+) years' experience in the Banking sector which must include proven experience, preferably with international exposure and having worked in multiple locations/ countries.

(3) years' experience in managing a large portfolio.

(3) years' experience on a senior management level in a large corporate.

Knowledge & Skills:
(Maximum of 8)

  • Ability to operate at a strategic level in ambiguous / dynamic env

  • Portfolio Manager- Retail Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us 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 SummaryTo...

  • Regional Manager Retail Credit Risk- Impairments

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us 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 SummaryTo oversee...

  • Credit Risk analyst

    1 week ago

    Johannesburg, Gauteng, South Africa Credit Link Placements Full time

    The overall purpose of the job is to assess and mitigate risk by carrying out a comprehensive and quality credit risk function by analyzing the client's business, financial statements, and management accounts in order to provide a recommendation on new accounts and existing accounts annually. · Record new account information in the new accounts register...

  • Analyst Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us 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 SummaryTo support...

  • Regional Aviation Credit Manager

    1 week ago

    Johannesburg, Gauteng, South Africa Recruitment and Consulting Specialists Pty Ltd Full time

    Our client in the oil and gas industry is looking for a Regional Credit Manager. This person will be responsible for the risk assessment of customers and the establishment of credit limits, the analysis of the overall credit exposure, the recommendation of terms of credit, negotiation and management of securities necessary to support higher risk...

  • Credit Risk Manager

    1 week ago

    Johannesburg, Gauteng, South Africa FirstRand Full time

    Job DescriptionTo maximise the banks Risk-Adjusted Rate of Return by managing credit risk in the entire portfolio and individual transactions as well as managing Credit Analysts Achieve year on year TotalRevenue Growth for the Business Reduce Bad debts as a percentage of performing loans utilisation based on effective lending principals applied during...

  • Analyst Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us 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 SummaryTo support...

  • Wholesale Credit Risk Audit Manager

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited 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.Job SummaryWe are on...

  • Senior Manager, Credit Risk Review

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Group Full time

    Job Description Credit Risk Assurance is part of the second line of defense and supports both the Africa Regions Business and Commercial Banking (BCB) CRO and any Credit Risk Executives responsible directly to that role, in providing independent oversight, qualitative assessment and reporting of Credit Risk Management practices throughout BCB. The role...

  • Manager: Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us 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 SummaryTo...

  • Head of Credit and Risk

    1 week ago

    Johannesburg, Gauteng, South Africa CA Global Headhunters International Full time

    Reference No. SR-HC&R-001**Job Description: Our client is seeking to employ a Head of Credit & Risk to be based in Johannesburg, South Africa. The role involves comprehensive oversight and accountability for Group Credit & Risk Policies. This encompasses activities such as drafting, recommending, amending, updating, and implementing changes to credit, risk,...

  • Head of Credit and Risk

    1 week ago

    Johannesburg, Gauteng, South Africa CA Global Headhunters Full time

    Our client is seeking to employ a Head of Credit & Risk to be based in Johannesburg, South Africa. The role involves comprehensive oversight and accountability for Group Credit & Risk Policies. This encompasses activities such as drafting, recommending, amending, updating, and implementing changes to credit, risk, and collections strategies to align with...

  • Credit Risk Manager

    1 week ago

    Johannesburg, Gauteng, South Africa TLT Appointing Full time

    Company DescriptionAbout Us: TLT Appointing provides recruitment serves via a team of specialist recruitment consultants in the following areas Finance, HR, IT & Telecommunications, Financial Services, Engineering, FMCG & Retail, Consulting & Professional Services, Public Sector, Executive SearchJob Description: Ensure that procedures and decisions comply...

  • Credit Manager: Cib Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Nedbank Full time

    Job PurposeTo recommend and or grant credit to place quality assets on to the book and continued risk management across Nedbank.Responsibilities: Validate client and supporting information by assessing the contents of the documents. Approve funding by making decision based on the credit policy guideline in conjunction with relevant Nedbank strategy and the...

  • Credit Risk Manager

    1 week ago

    Johannesburg, Gauteng, South Africa Milton Resourcing Full time

    As a Credit Manager, you will be responsible for a diverse range of tasks aimed at safeguarding the bank's financial health and maintaining a robust credit policy.Your key responsibilities will include but not be limited to:- Credit Assessments: Conducting thorough credit assessments of individuals and businesses to evaluate their creditworthiness and...

  • Regional Manager Retail

    1 week ago

    Johannesburg, Gauteng, South Africa FROGG Recruitment Full time

    Regional Manager Retail GautengOur Retail / FMCG client is looking for a Retail Regional Manager with 3-5 years of experience in managing retail outlets/stands/shops within the Gauteng and Limpopo area, you must be based in Gauteng. Your role will be to manage the regional supervisors of these outlets. The area of Gauteng is bigger than Limpopo and more...

  • Credit Manager: Cib Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Nedbank Full time

    Job Family- Credit Career Stream Credit Management Leadership Pipeline Manage Self: ProfessionalJob Purpose To recommend and or grant credit to place quality assets on to the book and continued risk management across Nedbank.Responsibilities: Validate client and supporting information by assessing the contents of the documents. Approve funding by making...

  • National Manager: Credit Risk Advisory

    1 week ago

    Johannesburg, Gauteng, South Africa Nedbank Full time

    Job Req Closing Date- 15 May 2023- Career Stream- Credit CollectionsLocation SandtonJob Purpose To proactively manage credit risk customers through decisive leadership utilising a multiskilled team, focusing on client engagement, financial analysis, mitigation of exposure, optimal pricing and rehabilitation of distressed exposures, to achieve the Nedbank...

  • Manager: Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Telebest Full time

    Our client has an opportunity available for a Manager in the Credit Risk department based in Sandton.Requirements:CA or BCom postgraduate qualification.MBA would be advantageous.10 to 15 years Credit Risk experience in a financial institution.3+ years managing teams directly or indirectly.Experience in risk mitigation standards and processes.Proven track...

  • Credit Risk Analyst

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited 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.Job SummaryThis role...