Credit Risk Acquisitions, Pricing & Profitability Manager – Personal Loans

Absa Group Limited; Johannesburg; On-site; ZAR 300,000 - 400,000; Full time

Job summary

A leading financial institution is seeking a Credit Risk Acquisitions, Pricing & Profitability Manager to design and implement strategies for Personal Loans. The ideal candidate will have at least 5 years of experience in Credit Risk within Retail Banking, proficiency in SAS, and strong analytical skills. Key responsibilities include monitoring performance, developing risk-based pricing frameworks, and leading a team of analysts.

Qualifications

• Minimum 5 years’ experience in Credit Risk within Retail Banking.
• Proficiency in SAS and advanced Excel required.

Responsibilities

• Design and monitor Credit Risk strategies for Personal Loans.
• Lead a team to implement acquisitions and pricing strategies.
• Ensure alignment of credit policy across acquisition channels.

Skills

Credit Risk modelling and analytics

Underwriting strategy and affordability assessment

Pricing methodologies, Net Interest Margin

Strong statistical, quantitative, and analytical skills

Customer analytics and segmentation models

Strong communication and influencing skills

Education

Bachelor’s degree in Risk Management, Actuarial Science, or equivalent

Tools

SAS

Advanced Excel

Job description

Overview

Job title: Credit Risk Acquisitions, Pricing & Profitability Manager – Personal Loans

Job Location: Gauteng, Johannesburg

Deadline: October 03, 2025

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Job Summary

The purpose of the role is to design, implement and monitor the effectiveness of end-to-end strategies across Credit Risk Acquisitions, Pricing and Profitability for the Personal Loans portfolio.

This includes optimizing underwriting and affordability assessment frameworks, driving sustainable growth within the portfolio’s risk appetite, and shaping pricing strategy to ensure portfolio profitability while balancing customer affordability and risk.

Job Description

Key Accountabilities

• Monitor production levels, customer mix, and early delinquency / risk trends.
• Track acquisition performance against portfolio risk appetite and profitability targets.
• Provide insight to senior leadership on growth vs. risk trade-offs.

Policy, Affordability & Underwriting Rules

• Maintain and enhance policy and affordability rules in line with regulatory requirements and business risk appetite.
• Regularly review and refine rules to balance approval rates, customer affordability, and portfolio quality.
• Ensure alignment of credit policy across acquisition channels.

Pricing & Profitability

• Develop and implement risk-based pricing frameworks for Personal Loans.
• Monitor and adjust pricing strategies to optimize risk-adjusted returns, considering funding costs, operational expenses, and expected credit losses.
• Conduct profitability analyses and recommend portfolio pricing adjustments to ensure competitive positioning and sustainable growth.

Strategy Development & Implementation

• Lead the design of end-to-end acquisitions and pricing strategies that drive profitable growth.
• Use predictive analytics, segmentation models, and customer insights to refine strategies.
• Partner with Finance, Product, and Distribution to align strategy with business growth objectives.

People Management

• Lead and develop a team of analysts / managers to deliver on acquisitions and pricing strategies.
• Ensure performance development plans are aligned to business objectives.
• Build and maintain a high-performance culture through coaching, recognition, and development.
• Recruit, retain, and manage top talent with the support of HR.

Education & Experience

• Bachelor’s degree in Risk Management, Actuarial Science, Statistics, Mathematics, Finance, or equivalent (NQF level 7).
• Minimum 5 years’ experience in Credit Risk within Retail Banking, with specific exposure to acquisitions and / or pricing.
• Proficiency in SAS and advanced Excel.

Knowledge & Skills

• Credit Risk modelling and analytics.
• Underwriting strategy and affordability assessment.
• Pricing methodologies, Net Interest Margin, and risk-adjusted return measures.
• Strong statistical, quantitative, and analytical skills.
• Customer analytics and segmentation models.
• Understanding of financial accounting, cost allocation and profitability drivers.
• Strong communication, influencing and stakeholder engagement skills.
• Leadership, team management and project management capabilities.

Education

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

End Date

End Date: September 26, 2025

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