Job Description

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
Support the credit risk process by delivering comprehensive, high-quality risk assessments and data-driven strategies within the unsecured personal lending lifecycle. Ensure adherence to internal policies and regulatory requirements, driving sustainable portfolio performance and shared growth.

Collections strategy managementDeep understanding of the end-to-end collections strategy lifecycle within unsecured lending Develop and implement data-driven, industry-aligned forbearance and distressed debt solutions Strong grasp of key drivers of collections performance, impairments, and portfolio risk Maintain and enhance documented strategy and policy frameworks across the unsecured collections book Conduct robust credit risk reviews to ensure strategy effectiveness and compliance Identify gaps and proactively recommend improvements to collections strategies Use data insights to drive continuous enhancement of treatment paths and segmentation Embed credit risk best practices into all business-as-usual (BAU) processes

Credit risk reporting and analyticsOwn and manage BAU, ad-hoc, and automated reporting and analytics processes Deliver accurate and timely management information and insights within agreed SLAs Perform end-to-end data analysis, including sourcing, cleaning, validation, and consolidation of large datasets Leverage strong SAS (or equivalent) skills to identify data anomalies, trends, and actionable insights

Governance and stakeholder engagementAdhere to internal credit risk policies and all relevant regulatory requirements Support audit, governance, and control processes across the collections strategy lifecycle Stay informed on regulatory and legislative changes impacting collections and forbearance Ensure alignment with business unit policies and industry best practices Investigate and respond effectively to policy or process exceptions Present analytical findings and strategy proposals clearly to both technical and non-technical stakeholders

Behavioural CompetenciesCommunicate clearly and effectively with stakeholders at all levels Demonstrate professionalism in conduct and decision-making Effectively manage time, tasks, and competing priorities Align behaviour and actions with the Absa Group values and culture

Qualifications and ExperienceBachelor's degree in BMI, Mathematics, Statistics, Engineering, Commerce, or a related field (preferred) Minimum of 2 years' experience in an analytical environment Experience in financial services, particularly in collections strategy, is advantageous Proficient in data analysis and processing using SAS, SQL, and Microsoft Office tools Strong understanding of collections, impairments, and credit risk management principles

Education
Bachelor Honours Degree: BMI - Business Management and Informatics (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