Manager Customer Credit & Pricing

Absa Group; Johannesburg; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading financial institution based in Johannesburg is seeking to fill a strategic position focused on shaping and executing customer strategies aligned with credit objectives. The role encompasses the entire credit lifecycle, from risk appetite definition to portfolio management and effective collections strategies. The ideal candidate will have relevant qualifications and demonstrated experience in risk governance and predictive analytics, along with a passion for leadership and team development.

Qualifications

• Experience in formulating customer-level credit strategies aligned with objectives.
• Expertise in risk appetite definition and governance adherence.
• Strong understanding of pricing models and capital optimization.

Responsibilities

• Shape and execute customer strategies for credit objectives.
• Oversee portfolio management and performance measurement.
• Implement collections strategies to minimize credit losses.

Skills

Customer-centric credit decisioning

Predictive modeling and analytics

Team leadership and development

Stakeholder management

Education

Bachelor Honours Degree: Business Management and Informatics

Bachelor Honours Degree: Business, Commerce and Management Studies

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

This position is responsible for shaping and executing customer strategies that align with the group’s credit objectives. The role spans the entire credit lifecycle, including defining risk appetite, optimizing pricing and capital, managing portfolios, and driving effective collections strategies. It ensures credit-related initiatives support sustainable growth and profitability while maintaining compliance and risk standards.

Job Description

Credit Strategy Development

• Formulate and implement customer-level credit strategies that align with group objectives and regulatory requirements.
• Champion customer-centric credit decisioning to enhance engagement and drive sustainable profitability.

Risk Appetite & Governance

• Define and monitor credit risk appetite across portfolios, ensuring adherence to governance frameworks.
• Support stress testing and integrated planning to contextualize credit outlook.

Pricing & Capital Optimization

• Develop risk-based pricing models to balance profitability and customer value.
• Optimize capital allocation and utilization within regulatory and economic constraints.

Portfolio Management

• Oversee portfolio shape, emerging risks, and concentration management.
• Ensure consistent risk and performance measurement across business segments.

Collections & Recovery Strategy

• Design and implement effective collections strategies to minimize credit losses.
• Collaborate with recovery teams to enhance debt management processes.

Data & Insights

• Leverage predictive modeling and analytics for proactive credit decisioning.
• Drive visualization and dashboard development for performance tracking.

Team Management

• Lead, develop, and inspire team members to achieve high performance and support their career growth.
• Foster a collaborative and inclusive team culture, encouraging knowledge sharing and continuous improvement.

Stakeholder Management

• Build and maintain strong relationships with internal and external stakeholders.
• Engage with senior leaders, cross-functional teams, and external partners to ensure alignment and effective delivery of credit strategies.

Education

Bachelor Honours Degree: BMI - Business Management and Informatics, Bachelor Honours Degree: 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.