Regional Credit Manager: KZN Region

Umhlangamid

OtherCredit Manager

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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,

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OtherCredit Manager

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

To lead and manage a regional credit lending function, including overseeing the KwaZulu-Natal and Mpumalanga regions, ensuring effective credit risk management, operational excellence, and portfolio quality. The role ensures that lending practices align with the bank’s risk appetite in supporting sustainable business growth.

Responsibilities

~1 min read

Manage and monitor the overall health and performance of regional credit portfolios
Analyse portfolio trends, identify risk concentrations, and recommend corrective actions
Ensure adherence to internal risk frameworks, policies, and regulatory requirements

Enable quality business growth without putting the bank under undue risk
Evaluate, structure, and approve credit applications beyond regional sanctioner limits
Review credit proposals for completeness, accuracy, and sound risk assessment
Balance customer needs with the Bank’s risk appetite and policies

Embed strong risk management practices and maintain a robust control environment
Identify early warning signals of potential non-performing loans
Implement proactive measures to mitigate credit risk and minimise bad debts
Ensure sound judgement, prudent decision-making, and timely escalation of risks
Collaborate with collections and recovery teams to manage distressed exposures

Ensure all lending activities comply with approved credit policies and procedures
Maintain strong governance and audit readiness across regional operations
Provide input into policy enhancements based on emerging risks and trends

Build and maintain strong relationships with business units, regions, and Credit Risk team
Provide expert credit guidance to support customer-focused decisions
Provide guidance on credit risk matters to relationship managers and regional teams
Engage with senior leadership on portfolio performance and risk issues

Lead, coach, and develop a high-performing team
Oversee onboarding and training of new employees
Drive a culture of accountability, collaboration, and continuous learning
Mentor team members and share best practices across functions

Requirements

~1 min read

Bachelor’s degree in Finance, Accounting, Economics, or related field
Professional certification (e.g., CA(SA), CFA, FRM) preferred
Extensive experience in credit risk management, preferably in banking or financial services
Strong knowledge of credit analysis, risk frameworks, and regulatory requirements
Proven experience in approving high-value and complex credit facilities
Excellent analytical, decision-making, and stakeholder management skills
Requirement to travel to regions for stakeholder engagement.

Credit Risk Management
Decision-Making & Judgement
Portfolio Management
Leadership & Team Development
Attention to Detail
Stakeholder Management
Strategic Thinking
Risk & Control Governance

Education

Bachelor Honours Degree: Business, Commerce and Management Studies (Required), Postgraduate Diploma: Accounting

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