Team Manger Credit Lending

1 day ago

Cape Town, 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 implement the operational plans for Retail Credit Lending through monitoring and ensuring that quality risk assessments are performed by the reporting staff within their own mandates and / or administrative tasks of high standard are performed.

To develop, coach and manage the activities of staff to ensure that performance objectives are met.

**Job Description**:
Accountability: Leadership & People Management

Outputs to deliver this accountability:

- Coach, Mentor, develop and retain the right talent as required by a High Performance Organisation
- To manage the Performance Development (PD) process for every team member according to the Absa PD Management Standards and prescribed process and provide coaching where required.
- Do quality reviews of the team's performance on a regular basis
- Ensure that monthly feedback is provided to staff on their achievement for productivity, quality assessments, targets and general behavioral observations and address poor performance appropriately.
- Initiate multiskilling opportunities for talented individuals.
- Agree and execute training and development plans for low performing team members.
- Coaching and training for all team members in terms of individual needs
- Identify training needs within the team and co-ordinate appropriate training interventions with the Regional Manager.
- Ensure that succession plans are in place and develop identified successors.
- Support the Regional Manager in creating a climate conducive for sustainable employee engagement, according to feedback received from the Colleague Engagement Survey (CES) and from the CES Champions.
- Demonstrate role model leadership behavior in all circumstances.
- Develop and maintain relationships with other Specialised Business Units (SBUs).
- Propose and implement new plans and ways of working to improve efficiency.
- Support of Corporate Social Investment (CSI) initiatives.
- Promote a positive, energising, optimistic and fun environment for staff to work in.
- Optimise operational efficiencies and effectiveness within the platform.
- Have the ability to have tough conversations with staff when there the need arises.

Accountability: Quality, Risk Assessment and Administrative Operations

Outputs to deliver this accountability:

- Implement the business unit's strategy and action plans as communicated by the National Manager and Regional Manager.
- Manage the daily, weekly and monthly productivity of the team on POM dialer and amend the plan according to actual performance and resource availability.
- Do quality assessments for the team and provide corrective actions where necessary.
- Manage the risks identified and captured on the Risk and Control Assessment (RCAs) and take corrective actions where required.
- Contribute to reducing impairments by implementing the monthly controls to manage direct reports’ activities for early risk mitigation.
- Guide the team in terms of a deal maker culture during sanctioning processes and ensure that all possible options are considered.
- Ensure the team understand the retention strategy of the bank and explore all avenues to rehabilitate High Risk customers.
- Ensure a quality Business Continuity Management Plan is in place and that the team understand their role in it.
- Continuously identify and monitor trends and implement remediate actions where necessary as well as sharing the information with the related Retail Stakeholders.
- Act as a key agent for the implementation and execution of new policies, procedures, processes and systems.
- To comply with the Record Management Plan and ensure that documents are saved accordingly on the Share Drive/ SharePoint.
- Maintain a superior Retail Credit Lending platform to facilitate and standardise consistent quality practices to support the risk appetite as determined by Credit Risk.
- Suggest improvements to existing process and procedure inefficiencies to the appropriate role players.
- Submit monthly/daily reports to appropriate role players in connection with the functional areas performance.
- Manage the quality of work done in the department and ensure that the necessary controls are in place to ensure that acceptable risk management practices / activities are maintained.
- Provide input with regards to strategic discussions when requested by Regional Manager / National Manager / Credit Risk.
- Manage operational costs (Telephone, overtime, etc.) within the agreed budget as communicated by Regional Manager.
- Management of agreed targets in terms of Service Level Agreements, pending rates, conversion rates, etc., as determined from time to time and set out i

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