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Senior Manager – Credit Risk Strategy, Home Loans
Absa Group. Manage Home Loans collections risk strategies within South Africa .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in managing Home Loans collections risk strategies, with a focus on developing and implementing effective payment and collection strategies. Proficient in credit management, financial analysis, and stakeholder management to optimize portfolio performance and enhance customer experience.
Highest-signal resume keywords
Credit ManagementFinancial AnalysisStakeholder ManagementSAS SkillsRetail Banking Experience
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Payments Strategy DevelopmentCollections Strategy ImplementationRisk AnalysisPredictive ModelingForbearance Strategy OptimizationPortfolio ReviewPerformance MonitoringData AnalysisScoring TechniquesCredit Risk Analysis
Soft Skills
LeadershipCommunicationTeam DevelopmentCustomer FocusDecision Management
Tools & Technologies
TRIADDebiCheckRMSCollections Scorecards
Certifications & Qualifications
Honours Degree in MathematicsHonours Degree in StatisticsNQF Level 8 Qualification
Industry Keywords
Home LoansCollections OperationsRetail BankingImpairment RatesCredit Collections Strategy
About the role
Key responsibilities & impact- Manage Home Loans collections risk strategies within South Africa
- Develop, implement and monitor payments, collections and recoveries strategies to achieve impairment rates within risk appetite
- Manage leading-edge payment and collection strategies in Home Loans
- Develop and manage collections and high-risk account management strategies using scoring techniques, including implementation ownership for TRIAD and collections scorecards
- Review and optimize Home Loans forbearance strategies to maximize recoveries while rehabilitating customers
- Participate in setting and designing incentive programmes for Collections Operations and External Debt Collectors
- Set and design payment solutions across DebiCheck, RMS and other payment types
- Maintain end-to-end credit collections strategy documentation
- Develop strategy and policy tests to challenge and enhance current strategies
- Adjust credit collections strategies based on macroeconomic expectations and stressed events
- Ensure management information monitors strategy performance and implementation adherence
- Complete portfolio reviews and recommend actions to improve portfolio performance
- Ensure collections strategy systems are fit for purpose and specify enhancements
- Coordinate collections activities with Business Units, Risk, Technology and Operations teams
- Support impairment targets and Loan Loss Rates through proactive credit-risk analysis and guidance
- Report strategy performance and trends to the Head: Home Loans Collections and Recoveries Strategy, Operations Manco, Home Loan Exco and relevant committees
- Build a performance and customer-focused culture aligned with RBB objectives
- Manage performance development plans, develop colleagues, support recruitment, succession planning and employee relations
- Ensure an optimal control environment balancing collections activity, customer experience and financial performance
Requirements
What you’ll need- Honours Degree in Mathematics and / or Statistics or equivalent NQF level 8 qualification (Preferred)
- 3 years of relative banking experience, of which 2 years should be in a senior role (preferably Retail Banking)
- Highly numerate and literate
- Well-rounded credit professional with sufficient management experience
- Expert knowledge of dealing with Retail Bank clients
- Expert proven record in credit management and sanctioning
- Advanced financial analysis and interpretation skills
- Advanced stakeholder management skills
- Expert decision management using predictive models
- Expert SAS skills
- Bachelor Honours Degree in BMI - Business Management and Informatics or Bachelor Honours Degree in Statistics
Benefits
Comp & perks- Equal opportunity, affirmative action employer
- Preference for suitable candidates from designated groups in accordance with the Employment Equity Act 55 of 1998