Manager Customer Credit

3 days ago

Johannesburg, Gauteng, South Africa Absa Group Full time R5 000 000 - R12 000 000 per year
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 Summary

This position is responsible for shaping and executing customer strategies that align with the group's credit objectives. The role spans the entire credit lifecycle, including defining risk appetite, optimizing pricing and capital, managing portfolios, and driving effective collections strategies. It ensures credit-related initiatives support sustainable growth and profitability while maintaining compliance and risk standards.

Job Description

Credit Strategy Development

  • Formulate and implement customer-level credit strategies that align with group objectives and regulatory requirements.

  • Champion customer-centric credit decisioning to enhance engagement and drive sustainable profitability.

Risk Appetite & Governance

  • Define and monitor credit risk appetite across portfolios, ensuring adherence to governance frameworks.

  • Support stress testing and integrated planning to contextualize credit outlook.

Pricing & Capital Optimization

  • Develop risk-based pricing models to balance profitability and customer value.

  • Optimize capital allocation and utilization within regulatory and economic constraints.

Portfolio Management

  • Oversee portfolio shape, emerging risks, and concentration management.

  • Ensure consistent risk and performance measurement across business segments.

Collections & Recovery Strategy

  • Design and implement effective collections strategies to minimize credit losses.

  • Collaborate with recovery teams to enhance debt management processes.

Data & Insights

  • Leverage predictive modeling and analytics for proactive credit decisioning.

  • Drive visualization and dashboard development for performance tracking.

Team Management

  • Lead, develop, and inspire team members to achieve high performance and support their career growth.

  • Foster a collaborative and inclusive team culture, encouraging knowledge sharing and continuous improvement.

Stakeholder Management

  • Build and maintain strong relationships with internal and external stakeholders.

  • Engage with senior leaders, cross-functional teams, and external partners to ensure alignment and effective delivery of credit strategies.

Education

Bachelor Honours Degree: BMI - Business Management and Informatics, Bachelor Honours Degree: Business, Commerce and Management Studies (Required)

Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

Absa Bank Limited reserves the right not to make an appointment to the post as advertised

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