Portfolio Manager- Retail Credit Risk

3 days ago

Johannesburg, 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 pro-actively manage a nationally based team of CPF: Valuations Administrators, to continuously review the processes and systems and evaluate the feasibility of suggestions and improvements.

To Manage credit risk and associated risks of the retail credit portfolio across all markets that Absa RBB Africa operates in. Monitoring the retail credit portfolio and developing strategies to manage and mitigate risk to ensure compliance with regulatory and internal policy requirements. Reporting portfolio performance to senior management and stakeholders. Staying up to date on industry trends and developments in credit risk management to continuously improve portfolio performance and mitigate potential risks. Collaborate with RBB business functions to develop new products and achieve a balanced portfolio within the bank’s appetite.

**Job Description**:
Key Accountabilities

Contribute to the development of a world class ARO cluster credit risk model infrastructure (70%)
- Support 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.
- Recommend policies, strategies, and procedures to improve the end-to-end credit life cycle in line with the ARO Retail & Business Banking Strategy.
- Support the articulation of the Retail Risk Management framework for specified risk types (credit, portfolio, operational risk) in allocated countries.
- 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.
- Oversight and Review of Credit Risk appetite setting, implementation, monitoring, modelling, and impairment management across the ARO RBB region
- 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.
- Support and drive the review and /or rollout of allocated regional initiatives or thematic activities across the 10 markets in partnership with in-country Risk, Collections and Centre Regional Teams.
- Actively participate and contribute towards systems, processes and procedures build or enhancements.
- Partner with the in-country Risk and Collections teams in in designing and executing collections and recoveries strategies.

Risk Management & Control 20%
- Contribute to the articulation and establish appropriate governance as a SBU and for all the allocated markets or regional initiatives across the entire credit life cycle in line with the ARO strategy.
- In partnership with the Country Credit Risk and Collections teams, take responsibility for the Retail credit risk strategy performance and control environment in delivery of the plan.
- Support the Regional Managers and the country risk teams in delivering the Retail Credit Risk performance and control plan.

People Management 10%
- 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 ARO regional teams.
- Ensure alignment of strategic plan to people capabilities and capacity.

Perform all other duties as reasonably assigned

Education

Bachelor's Degrees and Advanced Diplomas: Mathematics (required), Bachelor's Degree: Business, Commerce and Management Studies, Bachelor Honours Degree: Business, Commerce and Management Studies
- Absa Bank Limited reserves the right not to make an appointment to the post as advertised_

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