Absa – Risk Management Jobs – 11 June

To apply, click on the link at the end of the posts and all the best with your applications

Manager: Credit Origination (GN & NW)

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 SummaryTo develop tactical strategy and delivery plans, formulate associated practice/s and to ensure operational implementation and adoption i.t.o. credit risk management methodology, practice, governance and delivery objectives.

Job Description

The Credit Origination Manager is responsible for managing and overseeing the end-to-end credit origination process. This includes taking ownership of limiting Risk by reviewing and approving credit applications, assessing creditworthiness, developing relationships with clients, and ensuring compliance with credit policies and regulations. The role also involves managing the delivery of a team, collaborating with internal stakeholders, and driving business growth by identifying new credit opportunities.

Key Responsibilities:

Credit Origination & Approval:

• Oversee the credit origination process, from client application to credit decision.
• Analyze and assess client financial data to determine creditworthiness.
• Review credit applications and ensure that all relevant information is gathered.
• Approve or reject credit applications in accordance with company policies and guidelines.

Client Relationship Management:

• Develop and maintain strong relationships with new and existing clients.
• Act as the main point of contact for clients throughout the credit origination process.
• Provide expert advice to clients on credit products and solutions.

Risk Management & Compliance:

• Ensure compliance with credit policies, procedures, and regulatory requirements.
• Collaborate with the risk management team to evaluate and mitigate risks associated with credit transactions.
• Monitor ongoing credit performance and take corrective actions when necessary.

Team Leadership & Management:

• Lead and coach a team of credit analysts who form part of the trio relationship with the banker team.
• Ensure Quality applications are delivered consistently by the team within agreed SLA’s
• Provide guidance, training, and performance evaluations to ensure team success.
• Foster a collaborative and high-performing work environment by creating a client service culture in all we do
• Encourage the team to generate ideas and seek out opportunities to share knowledge and build on their knowledge

Business Development:

• Identify new business opportunities and potential clients for credit products.
• Collaborate with sales and business development teams to drive growth in credit origination.
• Monitor market trends and competitor activities to stay ahead of industry developments.

Reporting & Analysis:

• Prepare reports on credit origination activities, performance metrics, and portfolio performance.
• Provide insights and recommendations to senior management regarding credit risk exposure and business opportunities.

Continuous Improvement:

• Continuously assess and refine credit origination processes to improve efficiency and reduce risk.
• Stay up to date on industry best practices and regulatory changes.
• Participate in Strategic project to enhance the efficiency of the business

EducationBachelor`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.

Click here to apply

SME Credit Manager

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.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job SummaryTo analyse the risks associated with new lending, structuring and derivative proposals with the intention of facilitating new business.

Job Description

Job Purpose

• A credit professional responsible for credit risk structuring of transactions and sanctioning covering multiple industry sectors. The role holder will have specific responsibilities for a range of SME customers.
• Support the Business Banking SME Credit Team in providing credit input to Absa Bank Kenya Plc, delivering a World-Class Credit service and contributing towards achievement of the team’s risk and business objectives.
• Ensuring the optimal quality of the credit portfolio by application of best practice in decision-making, to a maximum personal lending discretion of US$ 1.2 million.

Key Accountabilities

Credit Risk Management – 60-70%

• Ensure the highest standard of credit quality through the structure, sanctioning, monitoring and control of credit applications. Maintenance of these standards both personally and as part of the Wholesale Credit Team.
• Sole lending discretion, DG linked and set depending on personal experience/accreditation.
• Exercise judgement and discretion in the evaluation and approval/decline of higher risk classification credit proposals.
• Provide feeds into business and credit policy development, where appropriate.
• Provide feeds into credit process development, where appropriate.
• Implementation and ongoing delivery of business and credit policies and processes.
• Responsibility for personal adherence to governance, compliance and lending portfolio controls.  Ensuring own conformance to policy and procedures within the Wholesale Credit Function, including proactive management of agreed responsibilities for Data Integrity.
• Maintain interactive relationship with other risk functions and Conformance Team.
• Advise on risk reward and challenge pricing where appropriate.

Business Risk Partnership – 20-30%

• Deliver service in line with agreed business needs.
• Work in partnership with Country colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers. 
• Work with Country colleagues, providing post application-based coaching and discussion, where appropriate to ensure effective development and delivery of bespoke Risk solutions for customers.
• Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions and development of people.
• Contribute towards the Team operating within cost budgets making recommendations for ‘working smarter.

Staff Management- 10-20%

• Support the Team Leaders in delivering effective performance development for individuals within the team.
• Drive proactive application of Absa Bank Kenya Plc Behaviours both personally and throughout the team and coach and support colleagues within the Team.

Preferred Qualification

• Bachelor’s degree from an accredited institution, accounting.

Preferred Experience

• At least 5 years in credit sanctioning and a minimum of 3 years La Riba credit sanctioning.

Knowledge and Skills

• Strong intellect balanced by practical and pragmatic approach
• Decisive
• Analytical and numerate
• Technical Lending Analysis
• Risk Management
• Build effective working relationships with staff/stakeholders
• Communications (written and oral) and presentations
• Effective negotiation and influencing
• Leadership.

Absa Bank Kenya is an equal opportunity, affirmative action employer. Preference will be given to suitable candidates from designated groups whose appointments will contribute towards the achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

***Application Deadline – 16th June 2026***

Click here to apply

Analyst Fraud Solutions SME

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• Provide specialist support in the implementation and the development of operational planning and associated service delivery processes, methods and techniques.
• Provide specialist support in the implementation of tactical strategies and plans and execute programmes to drive the strategy.
• Analyze and review fraud incidents to elicit fraud modus and trends to enhance and improve customer experience, processes, and procedures.
• Analyse business processes, controls, systems and functionalities to progress and advance the Fraud Customer Journey.
• Guide business by gathering, interpreting, and using data points to develop actionable steps that will improve processes, services and optimize results.

Job Description

Accountability: Solutioning & Advisory

·       Serve as subject matter expert across all fraud types and channels.

·       Drive the execution of the Fraud Solutions Strategy in collaboration with Functional support and oversight.

·       Assess business performance against Key Value Drivers and introduce business change to steer business towards strategic objective.

·       Critically evaluate fraud modus operandi, customer complaints and Voice of Customer surveys to assess control weaknesses for enhanced service offering.

·       Drive control enhancement intervention to improve fraud detection and preventions rates.

·       Identify opportunities to improve fraud controls to mitigate fraud losses and negative customer experience.

·       Continuously review the fraud recoveries value chain to enhance recovery rates for Customer and Bank.

·       Continuously review the fraud Preventions & Investigations capacity to sustain high service performance with effective a Customer contact strategy.

·       Provide analysis and recommendations to maintain adequate resource levels.

·       Continuous design and configuration of inbound and outbound call flows to maintain maximum effectiveness for operational impact as well as customer and colleague experience.

·       Manage and enhance customer contact strategies (through process and or tools) to improve fraud detection, preventions, and customer experience.

·       Assess and improve the fraud execution tools to enhance operational execution and to reduce customer friction.

·       Identify opportunities to eliminate workflow bottlenecks, to improve ‘Solve for Customer’ and Solve for Bank’ turnaround times.

·       Assess business performance issues, identify opportunities, and provide feedback to Fraud Hubs.

·       Propagate a culture of treating customers fairly (TCF) and adhere to TCF principles.

Accountability: Business Process & Service Enhancement

·       Work with teams to develop a comprehensive understanding of the market, including customer needs, and competitor strategies, and identify opportunities to leverage this information through great customer experiences and enhanced business processes.

·       Defining, designing and delivering solutions that drives Fraud Solutions Book of Work.

·       Understand and help mitigate potential risks which the strategic projects and initiatives may pose to the organization and adopt ideas to minimize such exposure to risks.

·       Identify business drivers, customer experience pain points and service challenges, recommend and implement remedial programs to close the gaps.

·       Develop solutions that will enable Fraud Solutions team members to provide a sustainable, proficient and professional level of service to customers, additionally enhancing the employee experience.

·       Develops solutions and redesigns processes to solve repetitive customer failures derived from various information points including root causes and insights that adversely affect customer experience.

·       Design, develop and deliver through integrated teams, ongoing customer experience improvements as well as innovations which provide Absa with sources of significant differentiation and competitive advantage.

·       Work collaboratively in a team and document functional requirements and prioritisation from business stakeholders through workshops and relevant documentation while tracking implementation delivery and reporting on progress.

Accountability: Stakeholder Relationship Management

·       Develop relationships with colleagues and stakeholders across Absa to ensure development and delivery of consistently great customer experiences and effective change that drive customer intimacy and operational effectiveness, leveraging best practice.

·       Build comprehensive networks and sound relationships with businesses across required areas within Absa.

·       Engage with Hub Heads and the Fraud Solutions teams to effectively implement new strategies, improve existing strategies and deliver on the strategy.

·       Develop and maintain effective relationships with supplier and internal business partners to ensure better support towards Fraud Solutions – strategies, customers, and colleagues.

·       Develop and maintain effective relationships with key industry bodies and play an active role in industry related initiatives.

·       Build working relationships with the respective internal and external stakeholders and keep them abreast of the fraud trends, root causes, customer experience and service performance.

·       Design, develop and deliver through integrated teams ongoing improvements leading to enhanced customer experience, effective contact strategies and operational execution which provides Absa with sources of significant differentiation and competitive advantage.

·       Assist in delivering projects which lead to the creation of an industry leading customer experience

·       Guide and motivate and Fraud Solutions Colleagues during business change. 

Accountability: Risk and Control

·       Ensure that processes, control requirements and risk management frameworks relating to projects is designed and maintained for Fraud Solutions.

·       Keep abreast with compliance and regulatory requirements and liaise with all relevant stakeholders internally and externally in the organization to accurately execute and adhere to the rules and regulations.

·       Ensure all risk and compliance breaches are escalated to the correct stakeholders within appropriate timescales.

·       Manage the successful integration of new systems by complying with Absa Bank policy, processes and standards.

Ensure operational reporting, system enhancements, and execution of processes aligns with Bank requirements.

EducationBachelor`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.

Click here to apply

Senior Manager Fraud Insights & Reporting

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 SummaryTo define and execute strategies and delivery plans to deliver on management information reporting objectives, ensuring the development and implementation of best practices, governance frameworks, and delivery objectives. Analyse performance and provide data-led insights to support business strategy. The incumbent will oversee a team of data analysts to deliver timely, accurate reports, dashboards and insights that support data-driven decision-making.

Job Description

Accountability:

• Collaborate with business stakeholders to understand and analyse business requirements, including the underlying business context and translate business requirements into well-defined technical specifications.
• Elevate management information to provide insights by expanding the team’s focus beyond standard reporting to deliver actionable intelligence that informs high-impact decision-making.
• Set priorities and guide the work of direct and indirect reports or peers to support this shift.
• Partner with stakeholders to define reporting requirements and deliver insights and reporting to enable decision making.
• Ensure data integrity and governance by overseeing the creation and maintenance of datasets on strategic platforms, while enforcing adherence to data governance policies and promoting trusted, golden sources of information across management information teams.
• Partner with management information teams across verticals and functions to define a shared roadmap encompassing technologies, methodologies, and standards that promote consistency and scalability across the Bank.
• Foster a culture of continuous improvement, innovation, and collaboration within the function.
• Design data pipelines, build data and dashboard solutions, and support development cycles.
• Lead cross-functional management information delivery by overseeing the team responsible for the development and maintenance of reporting solutions, including dashboards, reports and datasets tailored to the needs of the business.
• Own end-to-end delivery of complex Insights & Reporting solutions (discovery, modelling, reporting, adoption).
• Collaborate with data engineers and SQL specialists to improve backend data infrastructure, identify, investigate, and resolve end-to-end data and reporting issues with minimal supervision.
• Translate business problems into analytical frameworks and scalable reporting solutions.
• Write and optimize complex SQL queries, stored procedures, and scripts for data extraction, transformation, and load (ETL).
• Support and improve ETL workflows to reliably integrate source data into data warehouse structures that feed cubes and reports
• Ensure accuracy, reliability, and on-time delivery of insights.
• Identify gaps, risks, and opportunities in existing reporting.
• Deliver insight-driven analysis with actionable recommendations.
• Develop compelling and insightful dashboards that tell a clear story from complex data to support business decisions and drive actionable insights. Lead executive-level storytelling and presentations.
• Proactively monitor KPIs and investigate emerging trends.

Leadership & Initiative Ownership

• Lead large or cross-functional Insights & Reporting initiatives.
• Set analytical direction, timelines, and expectations.
• Act as escalation point for complex delivery or data quality issues.
• Influence Insights and Reporting roadmap, tooling, and ways of working.

Mentorship & Team Enablement

• Coach and mentor data analysts.
• Improve team capability in analytics, technical skills, and storytelling.
• Support onboarding and knowledge sharing.
• Promote a high-performance, inclusive, and accountable team culture.
• Champion data literacy and data-driven decision-making.

Quality, Governance & Standards

• Define and enforce data and records management standards (data models, metrics, dashboards).
• Maintain documentation, data dictionaries, data linage, and KPI frameworks.
• Partner with Data Engineering to improve data quality and scalability.
• Conduct validation checks and troubleshooting to ensure high data quality and system reliability.
• Adhere to data governance, security, and compliance practices relevant to the business policy.

Behavioural & Competency Requirements

• Ability to influence decisions through clear, evidence-based storytelling.
• Strong stakeholder engagement and communication skills.
• Ability to translate complex data into clear, business-friendly insights.
• High attention to detail and data accuracy.
• Self-driven, with the ability to manage multiple priorities and deadlines.
• Continuous improvement mindset and curiosity around data and analytics.
• Strong analytical and problem-solving skills.
• Self-starter with a collaborative mindset.

Technical Skills

• SQL (advanced querying and optimisation)
• Power BI (DAX, M, dashboard UX design)
• Dimensional data modelling & semantic layers
• Data & Records Management governance and documentation

Key Competencies

• Strategic thinking and ownership
• Clear communication and influence
• Emotional intelligence and leadership
• Continuous improvement mindset
• Consistent, reliable delivery

Minimum Requirements

• 5+ years’ experience in BI or data analytics
• Bachelor’s degree in Data Science, Engineering, Computer Science, or similar
• Proven end-to-end BI delivery experience
• Strong stakeholder engagement skills
• Experience mentoring or leading initiatives

EducationBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Click here to apply

Head: Customer Credit Scoring & Pre‑Qualification

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 SummaryResponsible for enterprise wide ownership of customer credit scoring and pre qualification, ensuring these capabilities are strategically designed, optimised, and scaled to maximise customer value, credit utilisation, and franchise returns.

Job Description

Strategy Formulation and Execution

• Own and set the strategic direction for customer credit scoring and pre‑qualification across the bank.
• Define and embed single line of customer credit scoring, ensuring consistent application across products and platforms.
• Transform pre‑qualification from an under‑leveraged capability into a material driver of credit consumption, utilisation, and customer growth.
• Make enterprise‑level trade‑off decisions balancing customer experience, risk appetite, and value creation.
• Provide senior ownership of optimisation priorities, ensuring decisions are taken at the appropriate enterprise level to unlock step‑change impact rather than incremental improvement.
• Engage senior stakeholders across Product, Group Risk, Finance, and Technology to align strategy, delivery, and outcomes.

Customer‑Centric Credit Decisioning

• Shift credit decisioning from product‑centric logic to customer‑centric assessment.
• Ensure customers are assessed consistently using a single customer view, regardless of product or channel.
• Improve transparency and explainability of credit decisions.
• Ensure pre‑qualification actively guides customer behaviour toward sustainable and appropriate credit usage.
• Establish clear accountability for customer‑level credit outcomes, including growth, utilisation, and risk performance.
• Move accountability from individual product outcomes to holistic customer‑level performance across the credit franchise.

Enterprise Scope and Accountability

• Operate at Retail Banking level, spanning Personal and Private Banking.
• Influence all credit products reliant on customer scoring and pre‑qualification.
• Drive improved credit penetration, utilisation of pre‑qualified limits, and customer growth.
• Deliver increased returns while maintaining a stable and sustainable risk profile.
• Be accountable to Group Risk and Finance for performance outcomes linked to customer‑level decisioning.
• Act as the single accountable owner for customer‑level credit decisioning outcomes, reducing fragmentation across products and platforms.

End‑to‑End Ownership of Scoring, Pre‑Qualification, and Processes

• Own end‑to‑end customer credit decisioning, including:

– Customer credit scoring models
– Pre‑qualification logic and thresholds
– Decisioning frameworks, platforms, and integrations

• Optimise end‑to‑end credit processes to reduce manual intervention.
• Drive automation and scalable decisioning.
• Assess and implement alternative and advanced scoring models to improve predictive power, fairness, and value.
• Drive continuous improvement through data, AI, and advanced analytics to materially improve decision quality and scalability.

Leadership and Organisational Impact

• Provide strategic direction and oversight to managers responsible for analytics, delivery, and execution.
• Lead through influence beyond direct reporting lines, aligning multiple senior stakeholders across Product, Risk, Finance, and Technology.
• Coach and develop leadership capability within customer credit functions.
• Create a clear progression pathway for future leaders in customer credit.
• Act as a bridge between strategy, technology, and delivery to ensure intent translates into measurable outcomes.
• Free executive capacity by removing the need for repeated senior escalation on customer‑level credit decisioning matters.

Value Realisation and Success Measures

• Increase effective utilisation of pre‑qualified credit.
• Successfully implement and embed single line customer credit scoring.
• Deliver faster, more consistent credit decisions.
• Improve credit penetration and new‑to‑bank acquisition.
• Maintain stable risk outcomes while growing volumes and profitability.
• Unlock incremental value sufficient to justify the role through improved decisioning quality, utilisation, and customer‑level outcomes

EducationBachelor`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

Click here to apply

Senior Risk Manager: Wealth Credit-2 VP

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 SummaryThe applicant will be responsible for assessing the creditworthiness of individuals and/or businesses that require lending products within the Private Wealth Banking segment. This role requires the ability to structure complex lending solutions for UHNW/HNW and Wealthy clients. The applicant must possess exceptional financial analysis skills to interpret financial information, assess client desirability, and detail risk mitigation strategies in line with credit mandates, internal policies and regulatory requirements.

A key focus of the role is to deliver high-quality credit risk assessments to ensure sustainable profit and asset growth, within the agreed Operational Level Agreement (OLA). This position requires a strong analytical mindset, in-depth knowledge of credit principles, strong decision-making skills, and the ability to communicate effectively with both internal stakeholders and clients.

Job Description

Credit Sanctioning

• Perform quality credit sanctioning within the Operational Level Agreement (OLA), being cognizant of risks, being solutions-driven, and considering compliance requirements.
• Assist stakeholders with growth by assessing, structuring, and solutions to client needs, ensuring adherence and compliance with credit policies, processes, terms, and conditions.
• This includes evaluation and structuring of new opportunities, initial credit due diligence, and preparing recommendations to the credit committee as well as ongoing monitoring.
• Evaluate a company’s stability, the adeptness of the management team, and creditworthiness by analyzing relevant documents including balance sheets, income statements, cash flow statements, financial projections, etc. Validates any assumptions, projects, and overall borrower viability and ability to repay the credit request
• Conduct a full assessment of the risks and potential mitigating factors impacting on a client.
• Perform robust financial and non-financial analysis on the client that supports the review of facilities or new funding proposals.
• Make use of clients’ historical data, for example, financial statements to forecast the clients’ potential growth and sustainability.
• Conduct a sensitivity/scenario analysis to determine the impact that a change in, for example, the economy, political situation, and consumer demand, will have on the client’s financial health.
• Based on the analysis conducted structure a lending solution for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank’s credit lending policies and appetite.
• Compile a proposal that summarizes the client’s background and needs, the research findings, and the final recommendation on which credit lending solution is best for the client, for the Credit Committee to approve in the interim and escalate further for the necessary approval.

Portfolio and Risk Management

• Proactively maintain and manage the assigned portfolio within agreed KPIs.
• Accurate and timeously report high-risk accounts.
• Provide credit solutions for the timeous rehabilitation of delinquent accounts and initiate transfers to Business Support and/or Legal Recovery Services (LRS) for groups/accounts which cannot be rehabilitated in the normal credit environment.
• Ongoing credit portfolio monitoring and maintenance of Group Risk Appetite across Relationship Banking clients.

Stakeholder Management

• Build and maintain effective relationships with stakeholders.
• Be a role model for client engagement and demonstrate value add at every engagement.
• A strong communicator that has the ability to influence stakeholders
• Contribute to the upskilling and mentoring of front-line colleagues.

Risk, Control, and Governance

• Apply the highest standards of controls and risk management practices and behaviors and embed a positive risk and control culture.
• Adhere to policies, procedures, and regulations.
• Identify, assess, and report risks arising from significant events, investigations, audits, and control issues.
• Demonstrate prudence, sound judgment, and appropriate escalations in the management of all types of risk applicable to the role.
• Ensure that the Bank’s credit policies, philosophy, and all relevant legislation are fully complied with at all times and that any policy breaches have been suitably addressed and mitigated.

Data and Systems Management

• To produce relevant management information and manage exposures including the maintenance of relevant systems.
• Drive RWA efficiencies by ensuring that the data in terms of Default Grades (DG’s), Loss Given Defaults (LGDs), limits, and review dates are correctly captured on the Bank’s credit systems and adequately supported by the credit systems.

Other Responsibilities

• Assist with special projects or other duties as needed and deemed necessary
• Demonstrate an understanding of credit and risk assessment tools, risk measurement, and rating methodologies, including their underlying assumptions and potential weaknesses.
• Demonstrate resilience and ability to work in a competitive and highly pressurized work environment to ensure that deadlines are met.
• Provide ad hoc training and coaching to junior credit or new staff members through the provision of relevant materials, explanations, and/or presentations.
• Legal agreements of the transactions and related transaction documentation.
• Understanding of financial markets and general business acumen
• Partner with relevant stakeholders in the business to ensure credit processes, policies, and infrastructure is enabled.

Requirements

• BCom (Accounting, Finance, Risk) – postgraduate qualification would be advantageous
• 5 to 10 years’ lending experience in a financial institution.

EducationBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Click here to apply

Specialist: Service Level Agreements and SRM

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 SummaryTo lead, plan, manage and optimise the implementation of strategic contractual, supplier relationship, and service level management activities across high-value and business-critical Digital engagements. The role is accountable for ensuring that Digital contracts and supplier partnerships deliver measurable commercial value, mitigate risk, and support Absa’s strategic objectives, while maintaining strong governance and regulatory compliance.
This role requires a specialist with proven experience managing flagship customer-facing supplier contracts (exceeding R100m+), driving commercial negotiations in collaboration with procurement and legal teams, and influencing executive stakeholders.

Job Description

Contract management

Ensure that contracts are proactively managed and renewed ahead of expiry, particularly for large-scale, flagship, complex and high-value contracts exceeding R100m. Engage executives and business stakeholders to define requirements and drive sourcing strategies. Lead the structuring, and negotiation of complex contractual agreements, ensuring optimal commercial outcomes while mitigating legal, procurement, operational and regulatory risks.

Collaborate closely with Legal and Procurement to structure multi-year, multi-vendor and strategic agreements. Drive contract optimisation through re-negotiations, benchmarking, and continuous commercial improvement. Manage contract amendments in response to regulatory changes, transformation initiatives, and evolving business needs, ensuring contracts remain fit for purpose.

Oversee supplier terminations and exit strategies for critical vendors, ensuring minimal disruption to business operations. Provide expert advisory input into RFX processes, influencing sourcing decisions for strategically significant spend categories.

Supplier Relationship Management:

Own and manage strategic and flagship supplier relationships, ensuring alignment to Absa’s commercial, operational and risk objectives. Design and implement robust SRM frameworks, including governance structures, exit strategies, performance scorecards, and engagement models at both operational and executive levels.

Lead executive-level supplier engagements, including Quarterly Business Reviews (QBRs) and service review meetings, driving accountability, performance, and continuous improvement. Proactively identify opportunities to unlock additional value, innovation, and cost efficiencies from suppliers.

Ensure comprehensive supplier lifecycle management, including due diligence, onboarding, ongoing assurance, and exit planning, in line with procurement and risk requirements. Act as an escalation point for complex supplier disputes, performance failures, and commercial disagreements. Attend to records management of Supplier Relationship Management artefacts to ensure that they always remain up to date and readily available. Support Supplier Assurance reviews, audits, and regulatory assessments as required.

SLA Management:

Lead the design and implementation of robust, enterprise-wide service level management frameworks across complex service environments. Develop, review, and maintain SLAs and underpinning agreements that include clearly defined KPIs, service measures, and commercial levers such as service credits and penalties.

Drive rigorous performance monitoring and governance, including regular service reviews, root cause analysis, and formal remediation processes for underperformance. Enforce contractual obligations through service credit claims, breach management, and escalation to Group Legal where required.

Manage escalations relating to critical service failures, invoicing disputes, and unresolved operational incidents, ensuring timely resolution and minimal business impact. Continuously enhance SLA frameworks to align with evolving business and technology requirements.

Ensure appropriate governance, management information and reporting:

Establish and maintain strong governance frameworks for contract and supplier performance management. Deliver high-quality, executive-level reporting and insights on supplier performance, commercial outcomes (savings & cost avoidances), and risk exposure.

Monitor operational plans and ensure that relevant, accurate management information is produced to measure performance against strategic targets, KPIs, and scorecards. Ensure full compliance with internal policies, regulatory requirements, and audit standards.

Stakeholder Management:

Engage and influence a wide range of complex relationship management of stakeholders, including senior leadership and executive stakeholders, across Legal, Procurement, Risk, Compliance, and Business units. Act as a trusted advisor on contract strategy, supplier performance, and commercial decision-making.

Drive alignment across stakeholders to support strategic initiatives, resolve complex challenges, and deliver optimal supplier outcomes.

Education and Experience Required

• NQF Level 6 qualification in Commerce/Legal or equivalent (essential)
• Postgraduate qualifications/ advanced diplomas (advantageous)
• 5–10 years’ experience in Contract Management, SLA Management, and Supplier Relationship Management
• 5+ years’ experience in report writing and supplier performance management
• Proven experience managing high value (R100m+), flagship, complex and customer facing contracts
• Demonstrated experience managing strategic / flagship suppliers / partners at enterprise level
• Strong experience in commercial negotiations and contract structuring
• Experience in highly regulated environments (Financial Services preferred)
• Proven track record in:
• Developing and implementing SRM frameworks
• Managing executive-level supplier engagements
• Driving measurable supplier performance improvements and commercial value
• Project Management experience (advantageous)

Knowledge and Skills

• Advanced Contract Drafting and Negotiation
• Strategic Supplier Relationship Management
• Advanced Service Level Management
• Advanced Conflict Resolution Skills
• Strong Commercial and Financial Acumen
• Risk and Compliance Management
• Computer Literate (MS Office – Advanced)
• Knowledge of Coupa, RSAM and Signiflow (essential)
• Excellent Communication (Written and Verbal)
• Strong Problem Solving and Analytical Skills
• High-level Negotiation and Influencing Skills
• Leadership and Management Capability

Education

• Bachelor’s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

EducationBachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

Click here to apply

Head: PPB Credit Strategy & Portfolio

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 SummaryThe Head of Credit Strategy & Portfolio plays a key role in supporting the Personal and Private Banking (PPB) Chief Credit Officer (CCO) in the second line of defence.

The role is responsible for independent oversight, check and challenge across all PPB credit portfolios to ensure risks are appropriately identified, monitored and managed within approved appetite.

The role focuses on risk appetite, portfolio and capital management as well as forward-looking risk insights to support sustainable, risk-adjusted growth.

Job Description

Key Accountabilities:

Credit Risk Appetite, Oversight and Strategy

• Support the CCO in providing independent oversight of credit risk across PPB portfolios.
• Review and challenge bottom-up credit risk appetite from business units to ensure a consistent approach, robustness and alignment to Group frameworks.
• Ensure portfolio strategies are aligned to approved risk appetite, through the cycle credit loss ratios, regulatory expectations and capital constraints.
• Provide independent challenge to credit strategies and recommend corrective actions within mandate.
• Continuously evaluate and ensure enhancement (either directly or through influencing the first line of defence) the bank’s credit risk and capital models, credit scoring systems, and decision-making processes, ensuring they remain robust, compliant, and aligned with market conditions.
• Establish and own PPB Credit Standard, aligned to relevant Group Credit policies and standards.

Portfolio Management & Performance

• Monitor and assess overall credit risk exposure across PPB portfolios, ensuring limits and thresholds are adhered to.
• Oversee portfolio performance trends and key risk drivers across products and sectors.
• Support periodic Product and Credit Strategy Reviews to identify emerging risks, concentrations and structural vulnerabilities.
• Ensure effective design and use of Early Warning Indicators (EWIs) and portfolio triggers across all PPB portfolios.
• Support portfolio optimisation through risk-return analysis and proactive steering at overall PPB level.
• Ensure Group Credit Portfolio Management principles is embedded across all PPB portfolios.

Capital & Balance Sheet Management

• Ensure appropriateness of risk weighted assets, economic capital and earnings at risk measures.
• Ensure alignment of portfolio strategies with these capital metrics.
• Support optimisation of capital allocation to enhance risk-adjusted returns.
• Monitor adequacy of capital assumptions in collaboration with finance and Group functions.
• Provide insights into capital efficiency and balance sheet utilisation across portfolios, coordinating optimization initiatives for PPB.

Risk Monitoring, Analytics & Stress Testing

• Establish and own requirements for tier 1 credit risk reporting, working closely with Risk, Data and Reporting teams to ensure consistent and controlled production, supporting risk monitoring and decision-making.
• Help coordinate stress testing and scenario analysis to assess portfolio resilience under adverse conditions.
• Identify systemic and emerging risks and translate into actionable insights.
• Track key risk indicators and provide early identification of deteriorating trends.

Governance, Reporting & Compliance

• Support the CCO in maintaining a robust credit risk governance framework.
• Contribute to credit risk submissions into key governance committees, including insights on portfolio health and risk appetite utilisation.
• Ensure compliance with internal policies and applicable regulations (e.g. Basel, NCA, SARB, etc.)
• Support monitoring and enforcement of portfolio limits, triggers and corrective actions.

Stakeholder Engagement & Alignment

• Collaborate with first line teams to ensure alignment between business, PPB objectives and risk appetite.
• Engage with Group Credit, Finance, Treasury and Enterprise Risk Management to ensure integrated portfolio and capital management.
• Support the CCO in engagements with senior stakeholders through high-quality insights and challenge.

Leadership & Team Development

• Lead and develop the team, ensuring that team members have the skills, knowledge, and tools to effectively support the management and oversight of credit risk management.
• Provide ongoing training, mentorship, and guidance to team members to build a high-performance culture focused on continuous improvement.
• Foster a collaborative and results-oriented environment, ensuring alignment with the bank’s broader strategic goals.

Preferred Education:

Bachelor’s degree and/or post graduate qualification(s) in Actuarial Science, Statistics, Mathematics, or related quantitative discipline.

Preferred Experience:

Minimum 10 years’ retail banking experience, coupled with significant leadership experience.

Knowledge and Skills:

Strategic Risk Management Expertise:

• Ability to develop and implement comprehensive credit risk strategies and frameworks, with a focus on mitigating risk while supporting business growth.
• Strong understanding of retail banking products, credit risk models, and financial markets, especially within the South African context.
• Ability to apply a risk-based approach to assess the credit risk impact of product development, new customer segments, and portfolio changes.

Governance & Compliance Leadership:

• Strong background in governance, risk management, and regulatory compliance in the financial services industry.
• Ability to lead and influence across multiple levels of the organization, ensuring alignment with regulatory expectations and internal credit risk policies.
• Understanding of SARB regulations, NCA, and Basel frameworks and how these impact credit risk management.

Analytical & Problem-Solving Skills:

• Advanced analytical skills, with the ability to interpret complex financial data, identify risks and trends, and provide actionable recommendations to senior leadership.
• Ability to balance risk mitigation with business growth goals, making data-driven decisions to optimize the retail credit portfolio.

Communication & Stakeholder Management:

• Exceptional communication skills, both verbal and written, with the ability to present complex credit risk issues in a clear, concise, and actionable manner.
• Strong interpersonal skills to engage effectively with senior leaders, business units, external regulators, and other key stakeholders.

Leadership & Influence:

• Proven experience leading and developing high-performing teams, with a focus on building a culture of accountability and collaboration.
• Ability to influence decision-making at senior levels, including executives and board members, by providing credible risk assessments and recommendations.

Technical Competencies:

• Strong interpersonal skills – the ability to develop rapport and credibility at credit committees and at senior management level in the firm
• Strategic thinker – clear ability on matters that are relevant for fundamental credit risk analysis per asset class
• Attention to detail – good analytical skills and attention to detail with ability to recognize emerging issues
• Retail credit risk models (regulatory, application, pricing, etc.) – in depth knowledge of all retail related credit models
• Regulatory knowledge – advanced understanding of all relevant regulations

Behavioural Competencies:

• Business acumen – understands financial and economic concepts / drivers and identifies, creates and / or exploit opportunities; manages risk effectively
• Inspirational people leadership – builds and sustains a high-performance team culture; builds organizational capability by implementing and sustaining a talent management culture
• Collaborating and influencing – establishes a collaborative culture and enduring partnership with diverse internal and external stakeholders that delivers mutual benefit
• Change leadership – establishes a culture of continually introducing and embracing change to drive business improvements in new and challenging directions
• Results orientation – delivers breakthrough performance by continually striving to do things better through improving, substantially re-designing or transforming methodologies and approaches

EducationBachelor`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.

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Cyber and Technology Risk Officer

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.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job SummaryTechnology and Cyber Risk Officer forms part of the First Line of Defense supporting the day-to-day management of cyber and technology risk subtypes under the Enterprise Risk Management Framework (ERMF) and Operational and Resilience Risk Management Framework (ORRMF).
Provides structured execution and coordination across risk identification, control environment oversight, issue management, and risk reporting activities. Supports the Resilience Risk Manager and Head of Resilience in embedding effective risk management practices across business units.
Ensures that principal processes, procedures and controls relating to change management (Change and Release Management), technology risk, cyber risk and information security are implemented, maintained, and monitored in line with applicable regulatory requirements, policies and standards.

Job Description

• Support the embedment of the Technology Risk and Information Security and Cyber Risk activities aligned to the Enterprise Risk Management Framework, Operational and Resilience Risk Management Framework and supporting Policies, Standards and requirements
• Support accountable management in ensuring technology and cyber risks are effectively identified, assessed, recorded and monitored within risk registers, control inventories and issue logs.
• Maintain accurate and complete risk data, including risks, controls, issues and key risk indicators, ensuring integrity of management information and reporting.
• Drive the execution and completion of risk and control self-assessments where technology or cyber risks are material, ensuring consistency and quality of outputs.
• Review key controls for design and operating effectiveness across access management, change management, cyber controls, resilience controls and third-party technology risk, and follow up with control owners to ensure remediation where required.
• Identify control gaps and ensure actions are clearly defined with accountable owners, realistic timelines and evidence requirements, and actively track progress to closure.
• Ensure ongoing tracking of issues and remediation actions, escalating delays, control failures or risks outside tolerance to the Resilience Risk Manager or Head of Resilience.
• Identify recurring weaknesses, emerging risks and thematic trends across incidents, conformance reviews and audit outcomes, and support incorporation into risk management practices.
• Prepare clear, timely and decision-useful reporting for management, risk committees and executive forums, translating technical issues into business-relevant risk insights.
• Report on key risk exposures, risk appetite status, KRIs, incidents, open issues, audit findings, regulatory matters and control effectiveness.
• Proactively escalate material risk exposures, control deficiencies or emerging cyber and technology risks that may impact customers, operations, resilience, regulatory compliance or financial performance.
• Supporting Technology and Information Security and Cyber Risk awareness and practices.

EducationHigher Diplomas: Information Technology (Required)

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Collections Strategy Manager

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.

My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.

Job SummaryThe incumbent will be responsible for developing and optimising data-driven collections and recoveries strategies using analytics and predictive modelling to improve performance, reduce impairments, and enhance customer experience. The role includes monitoring strategy effectiveness, implementing new collection methods, supporting operational capability improvements, and ensuring full compliance with risk, regulatory, and internal policy requirements.

Job Description

Main Accountabilities

· Assess and evaluate the rules and calculations that run the segmentation of delinquent accounts.

· Continuously review and update the performance of collections and recoveries activities and recommend improvement adjustments to Operations and Business to meet short term plan (STP) budgets and medium term plan (MTP) budget targets.

· Develop and deliver significantly enhanced collections plans through the assessment and classification of risk.

· 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 at Customer Value.

· Ensure systems used for implementing collections strategies are fit for purpose and identify and specify enhancements by confirming strategies are working as required and as per implementation plans.

· Identify new collection opportunities to enhance collection strategies i.e. payment capability, reminders, engagement, channels;

· Continuously review collections activities to ensure that there is compliance with all internal policies and procedures in the team and provide coaching and feedback on how to improve compliance.

· Liaise with the relevant risk management stakeholders in order to identify and manage the objectives of collection strategies to drive risk management;

· Liaise with the relevant collection operations stakeholders to manage strategy execution and success;

· Liaise with the relevant compliance and regulatory bodies to ensure adherance legislation and policies

· Manage strategy sign-off process to ensure that all stakeholders are informed of proposed strategy changes and benefit or impact of these changes to the business

· Liaise with the CVM capability team to ensure that the strategy is correctly implemented and that the timelines are within acceptable standards

EducationBachelor’s Degree: Business, Commerce and Management Studies (Required)

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We wish you all the best with your applications