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Head : Lending Products, ARO BB

Head : Lending Products, ARO BB

Absa Group LimitedZA
11 days ago
Job description

Job title : Head : Lending Products, ARO BB

Job Location : Gauteng,

Deadline : October 31, 2025

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Job Summary

  • The Head of Specialized Lending is responsible for driving the growth and profitability of Lending products for Business Banking segments across our markets.
  • This role will play a pivotal part in forging the growth strategy and execution plan, collaborating with in country colleagues, establishing Absa as a preferred bank for Commercial and SME customers our African markets.

    • Job Description

    The incumbent will take end to end ownership of Specialized Lending products (Commercial Property Finance, Commercial Asset Finance and Structured Trade & Commodity Finance, Term Loans) by :

  • Delivering innovative lending solutions while adding value in all interactions
  • Influencing customer value propositions (CVPs), client solutions and structuring, pricing, deal support, credit risk management, relationship management, product onboarding, Impairments and marketing.
  • Optimizing and developing the various teams (country and center) through skills development on cash management, trade & working capital, leadership practices and relationship management.
  • Managing stakeholder relationships across the bank to ensure the maximum performance of lending products
  • Driving thought leadership across sectors, segments and geographies

    • Accountabilities / Key Relationships :

  • The role holder will report to the Head : Business Banking, ARO
  • The role holder is a member of the ARO BB MANCO and related ARO RBB governance meetings.
  • The role holder will work in collaboration with Country BB Heads and Country BB Product Heads to deliver business ambitions.

    • Activities :

    Financial Performance and Management :

  • Formulate and implement product strategy and execution plans, ensuring profitable growth
  • Implement and support frameworks for the management of product performance across the teams.
  • Coordinate sales targeting approach together with Client Coverage in BB and Credit.
  • Support countries to provide solutions on complex and critical transactions and projects.
  • Ensure product profitability through revenue and cost optimization.

    • Product Development and Launch :

  • Lead the development and launch of innovative products and services tailored to the specific needs of the target market.
  • Conduct thorough market research to identify customer needs, preferences, and risk profiles.
  • Collaborate with internal stakeholders in CVP, IT, Risk Management, and Marketing to develop and implement new solutions.
  • Maintain an excellent understanding of technical expertise and remain up to date with relevant sector / department knowledge, have insight into external market developments / initiatives and strategic implications thereof
  • Ensure all products and services comply with regulatory requirements.

    • Marketing and Sales :

  • Develop and execute comprehensive marketing and sales strategies to drive awareness, adoption, and usage of Absa's products and services.
  • Leverage partner channels and digital marketing platforms to effectively reach the target audience.
  • Set and monitor clear sales targets for products across the ARO countries.
  • Oversee the performance of sales teams and implement strategies to optimize conversion rates.

    • Risk Management and Compliance :

  • Develop and implement a robust risk management framework for the business.
  • In collaboration with Risk, build a quality credit portfolio that effectively utilizes capital to build sustainable income for the Bank.
  • Continuously monitor and mitigate potential risks associated with fraud, creditworthiness, and data security.
  • Collaborate with the Risk Management team to implement appropriate risk-based models and collection strategies.

    • Data Analytics and Reporting :

  • Develop and implement a data-driven approach to business, leveraging customer data and market insights to inform product development, marketing strategies, and risk management practices.
  • Analyze key performance indicators (KPIs) to track progress towards achieving business objectives.
  • Generate regular reports on the performance of the business, including customer acquisition, revenue generation, and risk metrics.
  • Translate data insights into actionable recommendations for continuous improvement.

    • Team Management :

  • Lead, motivate, and develop a high-performing team of Transactional Banking specialists.
  • Ensure team members possess the necessary skills and knowledge to achieve business goals.
  • Foster a collaborative and results-oriented work environment.
  • Delegate tasks effectively

    • Education

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

    • End Date : September 24, 2025

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