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
To optimize the performance of the Personal Loans Collections function by designing, implementing, and monitoring data-driven strategies.

The role involves analyzing customer behavior, portfolio performance, and operational effectiveness to develop actionable insights that enhance recovery rates, reduce delinquency, and improve customer outcomes.

A strong analytical mindset, proficiency in data tools, and a deep understanding of credit lifecycle dynamics are essential for success in this role.

Strategy, Planning and Risk ManagementDevelop and / or optimize collections and high-risk account management strategies (preventing a customer rolling into collections) using leading-edge techniques / scoring to maximize collections, including the ownership of implementation of the strategies (Example TRIAD, Collections Scorecards). Participate in the strategy setting and design of the Collections Operations and External Debt Collectors incentive programs to ensure their effectiveness in motivating collectors and ensuring performance is improved to attain budgeted targets. Maintain documentation of end?to?end credit collections strategy. Develop strategy and policy tests to challenge and enhance current strategies. Ensure Management Information (MI) in place or is developed to monitor strategy performance and effective implementation/adherence by quality checking MI teams reports and reviewing the information the relevant product committees. Ensure that the required portfolio reviews are completed, review the results and make recommendations to the business leaders on how their business activities should be tweaked to improve portfolio performance.

Stakeholder and Relationship ManagementCoordinate and communicate collections activities with the respective BUs, Risk and Operations teams. Secure support from Collections and Recoveries Operations, Risk Teams, MI, Business teams, Finance, Product, Payments, Technology and HR to deliver collections programs. Support the BUs to deliver impairment targets and Loan Loss Rates aligned with the forecasting by providing proactive analysis and guidance on how to manage credit risk within acceptable levels. Review and report Collections performance and trends to the Portfolio Quality Review Meeting, Retail Credit Risk Committee, Group Risk teams, and Product Teams


Risk & ComplianceEnsure all strategies comply with internal policies, regulatory requirements, and industry best practices. Support audits and risk reviews by providing data and documentation as needed.

Data Analysis & InsightsAnalyze portfolio performance, customer behavior, and operational metrics to identify trends, risks, and opportunities. Translate complex data into actionable insights and present findings to stakeholders.

Process ImprovementIdentify and implement process enhancements to streamline collections workflows and reduce operational friction. Monitor external trends and benchmark performance to inform continuous improvement.

Qualifications:Honours Degree in Mathematics and / or Statistics or equivalent NQF level 8 qualification. 5 years of relative banking experience of which 2 years should be in a similar role (preferably Retail Banking). Highly numerate and literate. Well-rounded credit professional with sufficient management experience.

Knowledge and skills:Knowledge of / in dealing with Retail Bank clients (Expert). Proven record of accomplishment in credit management & Sanctioning (Expert). Financial analysis and interpretation skills (Advanced). Stakeholder Management Skills (Advanced). Scorecard development (Expert). SAS Skills (Expert).

Education
Bachelor`s Degrees and Advanced Diplomas: 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