Head : Credit Innovation

South Africa·Johannesburgmid

OtherInnovation

0 views0 saves0 applied

Apply Now

Quick Summary

Overview

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,

Technical Tools

OtherInnovation

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

We are looking for a senior leader to drive credit innovation and commercialisation across the consumer credit value chain.This role sits at the intersection of credit risk, customer strategy, product, data and customer experience, with a mandate to design and scale next-generation credit propositions and journeys that optimise customer value, experience, and profitability.

We are building the next generation of customer-centric, experience-led credit — and are looking for a senior executive to lead this transformation across retail banking.

Design and optimise end-to-end credit journeys across application, allocation, servicing and maintenance
Define business rules and decisioning strategies to maximise customer value and profitability
Translate customer insights and personas into relevant, personalised credit recommendations and offers
Drive the transition from product-led to customer-led credit strategies

Own and drive customer experience (CX) outcomes across the credit lifecycle
Design intuitive, frictionless and digitally-led credit journeys that improve conversion, utilisation and satisfaction
Identify and eliminate customer pain points and drop-offs across onboarding, decisioning and collections
Embed UX best practices and human-centred design principles into credit products and processes
Partner with digital, CX and design teams to ensure consistent, seamless omni-channel experiences

Incubate and embed advanced credit capabilities (data science, behavioural insights, ECM, rewards)
Leverage data to optimise engagement, utilisation and collections strategies
Identify customer-level triggers to drive timely, contextualised credit interventions
Enhance both customer experience and operational efficiency through smarter decisioning

8–10 years’ leadership experience within banking, lending or financial services
Strong background in credit strategy, lending, or portfolio optimisation
Proven experience driving customer experience (CX) or digital transformation initiatives
Experience working across risk, product, analytics and customer experience teams

Deep understanding of credit products, underwriting, and regulatory frameworks
Strong analytical and data-driven decision-making capability
Ability to design customer-centric credit journeys and experiences
Proven ability to translate insights into commercial, scalable solutions
Strong stakeholder management and influencing capability across senior teams
Innovative mindset with a focus on CX, UX and continuous improvement

Strong commercial acumen balancing growth, risk and customer outcomes
Passionate about delivering exceptional customer experiences
Highly effective in navigating complexity and ambiguity
Builds strong networks and drives alignment across diverse stakeholders
Leads with collaboration, influence and impact

Education

Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies

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