Absa Bank Limited – SME Portfolio Manager.

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Job Summary

  • To plan, manage and monitor the implementation of credit control management activities and processes in order to deliver on approved operational plans in an effective and efficient manner.

Job Purpose

  • Reporting to the Head of Business Banking sanctioning, the role holder will be required to collaborate in shaping SME risk appetite and Target Market Criteria (TMC) to build a profitable and sustainable business
  • Review, recommend and build SME fit-for-purpose risk processes across the end-to-end lifecycle (multi-year outlook).
  • Assess current capability against ambition and build a plan to close the gap with clear annual deliverables.
  • Implement risk policy, account management and collections and impairments processes (Proactive and not reactive)

Key Accountabilities

Accountability:  Credit Risk Management   Time Split 70%

  • Accountability for the strategy and quality of the SME lending book, including all aspects of lending.
  • In collaboration with the business counterparts, develop, implement, and maintain SME credit risk strategies
  • Ensure the highest standards of credit quality through the sanctioning, sampling, and application of best practice to credit proposals, and maintenance of these standards throughout the SME credit teams.
  • Input on review of the scorecard cards and monitoring the scorecard cards to ensure effective and efficient delivery of the intended purpose and result
  • Guide and support SME key stakeholders on all matters relating to credit risk within SME with special focus on secured and unsecured book.
  • Review and Implementation of credit policy and processes.  Feed into business and credit policy development.
  • Ensure timely and effective monitoring and control of the SME lending book. Review and challenge information and performance.
  • Managing, review and challenge change to ensure that the anticipated benefits are not only met but maximized.
  • Ensure adherence to Lending discretions with appropriate delegation to the SME Credit and Credit Operations/ RCU Team.
  • Exercise personal judgment and discretion in the evaluation and approval/decline of credit proposals.
  • Responsibility for personal & team adherence to governance, compliance, and lending portfolio controls. Ensuring audit outcomes are satisfactory backed by conformance to policy and procedures including proactive management of agreed responsibilities for Data Integrity.
  • Handling Policy Dispensations
  • Maintain interactive relationship with relevant ARO/Group Risk/Business/Operations/Conformance Teams.
  • Challenge pricing and profitability models in order to maximize value. Ultimate sign off at customer level remains with Business.
  • Design, implement and maintain generic strategies for appropriate remedial action on poorly performing accounts in the portfolio

Accountability:  Team Management Time Split 30%

  • Promote teamwork in delivering performance by designing performance measurement processes that recognizes performance both at individual and team levels
  • Coaching team members on how individual and team PD financial targets are measured proactively reflecting on their feedback to win buy-in for effective and efficient PD review and process improvement.

Preferred Qualification

  • A numeric degree (math, statistics, economics, operations research) or master’s degree, A business ARO background is an added advantage.
  • Proven experience in performing data analysis utilizing a standard statistical package

Preferred Experience

  • High level of PC literacy, ideally with programming experience
  • Practical experience of using analytics to solve complex business problems.
  •  Able to present complex analytical concepts to all levels of the business.
  • Communication (both verbal and written)
  • Creative thinking and ability to explore new ideas / opportunities and develop innovative approaches.

Knowledge and skills

  • 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

Behavioral competencies

  • Leadership
  • People management and coaching
  • Communications (written and oral) and presentations
  • Effective negotiation and influencing

Technical competencies

  • Risk Management
  • Business Management
  • Strong Lending skills
  • Analytical

To apply




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