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 implement the operational plans for Retail Credit Lending through monitoring and ensuring that quality risk reviews/assessments are performed by the reporting staff within their own mandates and / or administrative tasks of high standard are performed.

To develop, coach and manage the activities of staff to ensure that performance objectives are met.

To manage effective resource management by means of Salesforce/Dialer/ Debt Manager and continuously initiate process improvement and optimization.

Key
Accountabilities

Accountability: Leadership & People Management

Outputs to deliver this accountability:Coach, Mentor, develop and retain the right talent as required by a High Performance

OrganisationTo manage the Performance Development (PD) process for every team member according to the Absa PD Management Standards and prescribed process and provide coaching where required. Do quality reviews of the team's performance on a regular basis Ensure that monthly feedback is provided to staff on their achievement for productivity, quality assessments, targets and general behavioral observations and address poor performance appropriately. Initiate multiskilling opportunities for talented individuals. Agree and execute training and development plans for low performing team members. Coaching and training for all team members in terms of individual needs Identify training needs within the team and co-ordinate appropriate training interventions with the Regional Manager. Ensure that succession plans are in place and develop identified successors. Support the Regional Manager in creating a climate conducive for sustainable employee engagement, according to feedback received from the Employee Opinion Survey (EOS) and from the EOS Champions. Demonstrate role model leadership behavior in all circumstances. Develop and maintain relationships with other Specialised Business Units (SBUs). Propose and implement new plans and ways of working to improve efficiency. Support of Corporate Social Investment (CSI) initiatives. Promote a positive, energising, optimistic and fun environment for staff to work in. Optimise operational efficiencies and effectiveness within the platform. Display and take ownership within the team and live the Absa values - "walk the talk" Have the ability to have tough conversations with staff when there the need arises.


Accountability: Quality, Risk Assessment and Administrative Operations

Outputs to deliver this accountability:Implement the business unit's strategy and action plans as communicated by the National Manager and Regional Manager. Manage the daily, weekly and monthly productivity of the team on Dialer and amend the plan according to actual performance and resource availability. Do quality assessments for the team and provide corrective actions where necessary. Manage the risks identified and captured on the Risk and Control Assessment (RCAs) and take corrective actions where required. Contribute to reducing impairments by implementing the monthly controls to manage direct reports' activities for early risk mitigation. Guide the team in terms of a deal maker culture during sanctioning processes and ensure that all possible options are considered. Ensure the team understand the retention strategy of the bank and explore all avenues to rehabilitate High Risk customers. Ensure that Administrative staff is aware of the importance of quality execution to support a seamless customer experience. Ensure a quality Business Continuity Management Plan is in place and that the team understand their role in it. Continuously identify and monitor trends and implement remediate actions where necessary as well as sharing the information with the related Retail Stakeholders. Act as a key agent for the implementation and execution of new policies, procedures, processes and systems. To comply with the Record Management Plan and ensure that documents are saved accordingly on the Share Drive. Maintain a superior retail credit lending platform to facilitate and standardise consistent quality practices to support the risk appetite as determined by Credit Risk. Suggest improvements to existing process and procedure inefficiencies to the appropriate role players.

Suggest improvements to existing process and procedure inefficiencies to the appropriate role players.Submit monthly/daily reports to appropriate role players in connection with the functional areas performance. Manage the quality of work done in the department and ensure that the necessary controls are in place to ensure that acceptable risk management practices / activities are maintained. Provide input with regards to strategic discussions when requested by Regional

Manager / National Manager / Credit Risk.Manage operational costs (Telephone, overtime, etc.) within the agreed budget as communicated by Regional Manager. Management of agreed targets in terms of Service Level Agreements, pending rates, conversion rates, etc., as determined from time to time and set out in the PD objectives. Verify that high risk reviews are managed and done timeously and 3 months in advance. Ensure that the required productivity and utilisation levels are achieved in the team. Measure the quality of weekly, monthly and annual planning against the actual results.


Accountability: Relationship and Stakeholder Management

Outputs to deliver this accountability:Support the Regional Manager in developing and maintaining relations within own area of responsibility and with Stakeholders. Effectively manage and maintain customer relationships in line with business quality standards. Provide Retail Stakeholders with the relevant credit support to ensure that customer focus and relationships are maintained Support and give input to the Regional Manager for Service Level Agreement (SLA) meetings and provide inputs on updates of SLAs to appropriate role-players. Balance the needs of our customers through solutioning with the bank's risk appetite to achieve the best possible outcome for both parties.


Accountability: Compliance and Risk

Outputs to deliver this accountability:Adhere to governance, regulatory and legislative requirements when doing quality checks. Ensure remediation of deviations from policies and procedures, as identified through audit reviews. Diligently adhere to all credit sanctioning policies and processes; and appropriate governance of decisions that fall outside the policy framework. Ensure the adherence of the service level agreements with strategic partners. Ensure the effective allocation, review and cancellation of credit mandates allocated to individuals based on knowledge, skills and experience. Adherence and administration around the B030 process. Support the Regional Manager to ensure compliance and adherence to policies, processes, procedures and guidelines through enforcement of same to direct reports. Management of agreed targets and remediation actions to improve productivity. Alignment of assessment practices across products within Retail Credit Sanctioning. Give constructive feedback to Credit Risk and Business with regards to policy enhancements. Pro-active implementation of legislative changes.


Accountability: Personal Development

Outputs to deliver this accountability:Ensure that an agreed Performance Development (PD) plan is in place to enhance own performance, development and personal growth. Complete all compulsory training and attestations. Take responsibility of the performance objectives as agreed in the PD document. Display and embed the Absa values in all interactions with all stakeholders. Be part of identifying challenges, enhancements and work together with the Regional Manager and the team to put appropriate remediating actions in place. Stay abreast of market- and economic trends and apply it in the working environment.


Role / Person
Specification

Education and Experience RequiredRequired: NQF Level 7 - B Degree in Credit or Financial field Preferred: Appropriate Honors Degree 5 years Credit experience with exposure to lending/risk 2 years People management experience


Knowledge & Skills:Influencing and Negotiation skill Innovation Credit Risk assessments / management in a financial environment Networking ability Leadership ability and capability Business writing and communication skills


Competencies:Achieving personal work goals and objectives Analyzing and conceptual thinking Delivering results and meeting customer expectations Entrepreneurial and commercial thinking Following policies and procedures Leading and supervising Planning and organizing Presenting and communicating information

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