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. Belonging at Absa Absa is committed to creating an inclusive workplace where everyone can thrive. We are an equal opportunity employer and welcome applications from suitably qualified individuals from diverse backgrounds. In support of our Diversity, Equity, Inclusion and Belonging (DEIB) commitments and Employment Equity objectives, preference may be given to candidates from underrepresented designated groups, including persons with disabilities. We encourage applicants who may require reasonable accommodation during the recruitment process to let us know so that appropriate support can be provided. Job Summary This role will lead the impairments insights and planning, oversight of operational management of secured and structured assets, capital and RWA optimisation opportunities and strategies, optimizing VAF portfolio use of funding, funding rate strategies, structured funding arrangements and be an integral part of portfolio design, focusing on distilling the above into robust strategies to enable growth plans opportunities from the insights. Job Description Impairments and Loss Strategy and Planning: To provide insight into impairment trends, including forecasts and variance analysis and to ensure appropriateness of coverage levels considering model parameter refreshes, updated economic outlooks and other risks not considered by the models. To work with collections strategy and operations on translating business insights into collections strategies and actionable results. Complete impairment planning in each cycle by working closely with collections strategy, collections operations, finance and portfolio management. Lead in rate refresh discussions from business credit risk perspective. Securitization Operational and Administration Specialist: Identify and coordinate the operational activities in relation to securitization with specific focus on the risk and reporting activities. Capital Optimization Strategy: Identify strategic, portfolio mix, regulatory and model optimization opportunities to improve risk weighted assets under Basel IV as well as considering both AIRB and the Standard approach. Portfolio Funding Strategy: Identify strategic, portfolio mix, regulatory, structural, industry and partner related opportunities to improve overall funding rate, mix and margin. Support product innovation as it relates to optimal capital and funding strategies and loss outcomes. Partnering with finance, FRM, treasury, operations and executive leadership to optimize funding efficiency, loan performance and returns on deployed capital. Partnering with finance, FRM, treasury, operations and executive leadership to optimize funding efficiency, loan performance and returns on deployed capital. People management, coaching, performance management and talent development. Qualifications and Experience: B degree with Postgraduate in Commerce or Risk. 15 years’ experience across impairments, credit, securitization and capital optimization. Education Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required) At Absa, our story is not a single narrative. It’s thousands of individual journeys unfolding across Africa and beyond. From colleagues serving customers in local communities to teams shaping financial solutions across borders, Absa is built on people who bring their lived experiences, ambitions and perspectives into the workplace every day. Whether you’re starting your career, a seasoned leader or somewhere in between, your contribution is seen, valued and connected to something bigger. Our presence across Africa – which spans personal and business banking, corporate and investment banking, wealth and investment management, and insurance – exists because of the people who show up in their roles with purpose. Across Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda and Zambia, our colleagues are shaping what Absa becomes in each market. Beyond the continent, teams in global offices and a technology hub support and extend the stories that prove that African talent can lead, influence and innovate on the global stage. At Absa, your story matters because progress is driven by human experience, not hierarchy. When people are enabled to bring their whole selves to work, they don’t just build careers. They help shape the future of Africa’s financial services landscape.

Principal: AVAF Credit Risk, Impairments & Portfolio Optimisation.

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