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About this job
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
Responsibility for the management of the portfolio(s) across the Credit Life Cycle in aggregate, which comprises of the following:
Product Planning
Credit Initiation
Account Maintenance
Fraud Management
Collections & Recoveries
Responsible for developing and adhering to business mandate and scale triggers for all products
Setting of product risk appetite and strategies
Policy formulation / circulars – owner of the portfolio Risk policies and Procedures and Manuals
Provide input into developing and review of Portfolio modelling
Analysis of management Information with appropriate recommendations to the Head of Credit
Liaison with product/business managers and ownersInitiate, agree and monitor Collection and Recoveries strategies
Accountability for all Credit scorecard design, implementation, and review Input into Junior Consumer Credit Risk staff Performance developmentAgree and be responsible for all change initiatives in the portfolio
Job Description
Credit Risk Management Time Split: 30-40%
Assess a customer’s business through the analysis of Business and Credit risks associated with the provision of the bank’s products and services to the customer.
Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams.
Act as the joint contact for credit management purposes for accountants, solicitors and other professionals.
Portfolio: 30-40%
Manage the portfolio within agreed risk appetite.
Formulate strategies that drives growth while maintaining an acceptable level of risk to achieve agreed performance targets
Develop a strong Risk/COO/Consumer Business partnerships
Leadership: 10-20%
Develop a highly motivated team of portfolio analysts maintaining excellent relationships within own team and wider business to ensure achievement of business goals.
Consider the training and development needs of the team and support the development and implementation of solutions.
Ensure effective performance development and succession planning for the team.
Risk and Controls Objectives
Manage risk and control effectively by applying applicable risk frameworks and embedding a positive risk culture
Understanding of own role in the end-to-end processes in which you play a part, including applicable risks and controls.
Adhere to Barclay’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management.
Report all risk events/incidents/issues using the defined process for your business area and help to understand why these happened and how to prevent them in future. Proactively look for ways to improve the control environment by considering what could go wrong in the processes you operate and how errors could be prevented.
All mandatory training completed to deadline
Technical skills / Competencies
Strong intellect balanced by the practical and pragmatic approach
Decisive
Strong internal and external networking
Analytical
Risk Management
Business Management
People management and coaching
Communications (written and oral) and presentations
Effective negotiation and influencing
Strong Lending skills
Influencing
Personal Attributes:
Basic operations knowledge
Strong product management, selling, and negotiation skills
Excellent communication skills enabling communication with people at all levels
Ability to execute analytical and data-driven decisions
Ability to create and identify innovative solutions
Essential and preferred Experience
Experience, qualifications, and other requirements specific to the role What does the role holder need to know/know about and/or be qualified in?
Degree or equivalent business experience, desirable Preferred
Postgraduate degree (e.g. MBA)Mathematical or financial qualification
Skills & Competencies
What does the role holder need to be able to do/be well at doing?
Highly competent in analysis and numeracy
Comprehensive technical credit skill
General commercial/industry awareness
Working knowledge of risk management policies, procedures & pricing
Working knowledge of Group policies and strategies relative to the credit function
Product knowledge
Detailed understanding/fit of the vision for Risk
Detailed understanding of the Bank’s policies on Employment/Redeployment, Equal
Opportunities and Health & Safety
Working knowledge of local country structure and strategy
Leadership and performance development of a team
Managing risk and reward Preferred
Risk Management Background
Absa Values
Approvals
Absa Values and Behaviors represent the set of standards that governs the actions of all of us who work for the bank and against which the performance of every one of us in Absa are being assessed and rewarded:
I drive high performance to achieve sustainable results
I’m obsessed with customer
I have an African heartbeat
I believe our people are our strengths
Agreed by Current Job Holder
Agreed by Line Manager
Co-signed by HR Manager
Education
Higher Diplomas: Business, Commerce and Management Studies (Required)
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
Responsibility for the management of the portfolio(s) across the Credit Life Cycle in aggregate, which comprises of the following:
Product Planning
Credit Initiation
Account Maintenance
Fraud Management
Collections & Recoveries
Responsible for developing and adhering to business mandate and scale triggers for all products
Setting of product risk appetite and strategies
Policy formulation / circulars – owner of the portfolio Risk policies and Procedures and Manuals
Provide input into developing and review of Portfolio modelling
Analysis of management Information with appropriate recommendations to the Head of Credit
Liaison with product/business managers and ownersInitiate, agree and monitor Collection and Recoveries strategies
Accountability for all Credit scorecard design, implementation, and review Input into Junior Consumer Credit Risk staff Performance developmentAgree and be responsible for all change initiatives in the portfolio
Job Description
Credit Risk Management Time Split: 30-40%
Assess a customer’s business through the analysis of Business and Credit risks associated with the provision of the bank’s products and services to the customer.
Develop high quality credit solutions with the view of obtaining fast credit approval from Credit teams.
Act as the joint contact for credit management purposes for accountants, solicitors and other professionals.
Portfolio: 30-40%
Manage the portfolio within agreed risk appetite.
Formulate strategies that drives growth while maintaining an acceptable level of risk to achieve agreed performance targets
Develop a strong Risk/COO/Consumer Business partnerships
Leadership: 10-20%
Develop a highly motivated team of portfolio analysts maintaining excellent relationships within own team and wider business to ensure achievement of business goals.
Consider the training and development needs of the team and support the development and implementation of solutions.
Ensure effective performance development and succession planning for the team.
Risk and Controls Objectives
Manage risk and control effectively by applying applicable risk frameworks and embedding a positive risk culture
Understanding of own role in the end-to-end processes in which you play a part, including applicable risks and controls.
Adhere to Barclay’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management.
Report all risk events/incidents/issues using the defined process for your business area and help to understand why these happened and how to prevent them in future. Proactively look for ways to improve the control environment by considering what could go wrong in the processes you operate and how errors could be prevented.
All mandatory training completed to deadline
Technical skills / Competencies
Strong intellect balanced by the practical and pragmatic approach
Decisive
Strong internal and external networking
Analytical
Risk Management
Business Management
People management and coaching
Communications (written and oral) and presentations
Effective negotiation and influencing
Strong Lending skills
Influencing
Personal Attributes:
Basic operations knowledge
Strong product management, selling, and negotiation skills
Excellent communication skills enabling communication with people at all levels
Ability to execute analytical and data-driven decisions
Ability to create and identify innovative solutions
Essential and preferred Experience
Experience, qualifications, and other requirements specific to the role What does the role holder need to know/know about and/or be qualified in?
Degree or equivalent business experience, desirable Preferred
Postgraduate degree (e.g. MBA)Mathematical or financial qualification
Skills & Competencies
What does the role holder need to be able to do/be well at doing?
Highly competent in analysis and numeracy
Comprehensive technical credit skill
General commercial/industry awareness
Working knowledge of risk management policies, procedures & pricing
Working knowledge of Group policies and strategies relative to the credit function
Product knowledge
Detailed understanding/fit of the vision for Risk
Detailed understanding of the Bank’s policies on Employment/Redeployment, Equal
Opportunities and Health & Safety
Working knowledge of local country structure and strategy
Leadership and performance development of a team
Managing risk and reward Preferred
Risk Management Background
Absa Values
Approvals
Absa Values and Behaviors represent the set of standards that governs the actions of all of us who work for the bank and against which the performance of every one of us in Absa are being assessed and rewarded:
I drive high performance to achieve sustainable results
I’m obsessed with customer
I have an African heartbeat
I believe our people are our strengths
Agreed by Current Job Holder
Agreed by Line Manager
Co-signed by HR Manager
Education
Higher Diplomas: Business, Commerce and Management Studies (Required)