Credit Business Development Leader
3 days ago
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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