Credit Business Development Leader

3 days ago


Cape Town, Western Cape, South Africa Absa Group Full time
Be Part of Our Story

Join us as we shape the future of Africa's banking landscape.

We're looking for a talented and experienced individual to lead our Credit function and drive business growth through strategic leadership and execution.

About the Role

The Regional Head: Credit role is accountable for managing the strategic direction and delivery of the credit requirements for a specific credit segment, product or sector. You'll be responsible for developing and implementing a fit-for-purpose credit strategy and framework, ensuring the bank's competitive position is protected and enhanced while maintaining the quality of the underlying asset book.

Your Key Responsibilities:

  • Develop and implement a tactical strategy and associated policies and guidelines within multiple practices.
  • Accountable for the credit strategies across the product life cycle: acquisition, authorizations, portfolio credit limit management, re-issues, high risk exposure management, collections and recoveries.
  • Analyze and interpret detailed reports to explain trends, discrepancies and inconsistencies.
  • Represent Relationship Banking and participate in industry and Bank-wide forums and governance structures.
  • Interlock with key stakeholders to obtain commercial awareness of the local market and industry specifics.
  • Develop, maintain and review the appropriate mandate and scale, suitable lending criteria and risk appetites for the allocated portfolio.
  • Drive improved data quality and RWA's as well as Economic Capital and Risk Capital returns.
  • Review quality credit assessments and present bespoke/bankable solutions for high value clients and transactions.
  • Manage and report on the end-to-end credit process within the allocated region.
  • Interlock with Supporting Functions to ensure the appropriate level of delivery to achieve customer needs and revenue generation requirements.
  • Participate in financial planning cycles and provide a view on impairments, expected losses, economic capital and other elements.
  • Direct responsibility for managing impairment and fraud costs and necessary remedial actions.
  • Support the development of credit tracking for tactical plans and credit scoreboards.

About You

  • You hold a Chartered Accountant (CA(SA)) qualification or a desired Post Graduate Degree (NQF level no.8+).
  • You have 8 - 10 years' experience in a similar environment, with 3 - 4 years at senior management level.
  • You possess strong analytical and problem-solving skills, with the ability to communicate complex ideas effectively.

Our Culture

Absa Group is a values-driven organization that prioritizes integrity, teamwork, and innovation. As a valued member of our team, you'll be empowered to take ownership of your work, collaborate with colleagues, and drive results-oriented solutions.



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