Principal, AVAF Credit Risk, Impairments & Portfolio Optimisation

Absa Group

. Lead impairments insights and planning .

Posted 11/10/2026full-timeJohannesburg • South AfricaLeadWebsite

Core Competencies

Role fit

Core Competencies

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Expertise in impairment insights, credit risk management, and capital optimization is essential, along with strong leadership in managing talent and collaborating with cross-functional teams to enhance funding efficiency and loan performance.

Highest-signal resume keywords

Impairment InsightsCredit Risk ManagementSecuritization OperationsCapital OptimizationTeam Leadership

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Variance AnalysisModel Parameter RefreshRisk ReportingRegulatory CompliancePortfolio ManagementFinancial ForecastingData AnalysisBusiness Strategy DevelopmentPerformance ManagementOperational Efficiency

Soft Skills

CoachingCollaborationCommunicationStrategic ThinkingProblem Solving

Certifications & Qualifications

Postgraduate Qualification in Commerce or Risk

Industry Keywords

Basel IVFunding StrategiesCapital ManagementCredit RiskImpairmentsCollections StrategyEconomic OutlookRisk-Weighted AssetsOperational ActivitiesProduct Innovation

About the role

Key responsibilities & impact

Lead impairments insights and planning
Provide insight into impairment trends, forecasts and variance analysis
Ensure appropriateness of coverage levels considering model parameter refreshes, updated economic outlooks and other risks
Work with collections strategy and operations to translate business insights into collections strategies and actionable results
Complete impairment planning in each cycle with collections strategy, collections operations, finance and portfolio management
Lead rate refresh discussions from a business credit risk perspective
Identify and coordinate securitization operational activities, focusing on risk and reporting
Identify strategic, portfolio mix, regulatory and model optimization opportunities to improve risk-weighted assets under Basel IV
Identify opportunities to improve overall funding rate, mix and margin
Support product innovation involving capital and funding strategies and loss outcomes
Partner with finance, FRM, treasury, operations and executive leadership to optimize funding efficiency, loan performance and returns on deployed capital
Manage, coach and develop talent, including performance management

Requirements

What you’ll need

Bachelor’s degree with postgraduate qualification in Commerce or Risk
Bachelor’s Degrees and Advanced Diplomas in Business, Commerce and Management Studies required
15 years’ experience across impairments, credit, securitization and capital optimization

Benefits

Comp & perks

Equal opportunity employer
Inclusive workplace where everyone can thrive
Reasonable accommodation during the recruitment process
Preference may be given to candidates from underrepresented designated groups, including persons with disabilities