Absa Bank Limited
Finance
ExecutiveHead:UnsecuredLending
Neural analysis suggests this role is
optimal for Senior candidates.
“Executive Head: Unsecured Lending at Absa Bank Limited. Skills: Unsecured Lending, Credit Risk, Portfolio Management. Own end-to-end performance of Unsecured Lending portfolio. Manage product, risk outcomes, collections, lifecycle, innovation”
What You'll Achieve.
Own profitability, growth, risk outcomes, customer value; Ensure Bank remains competitive; Deliver customer centric solutions; Achieve disciplined risk, returns, sustainable growth; Optimize cost to go-to-market; Optimize the cost to go-to-market; Optimize these processes; Optimize risk-adjusted returns; Balance recovery performance with customer lifetime value; Enhance franchise value; Penetrate deeper into Absa customer base; Enhance franchise value; Penetrate deeper into Absa customer base
Industry & Context.
Uses data and analytics to guide decisions; detect early risk
What They're Looking For.
Must Have
Post-graduate degree or Honors degree in Quantitative Analytics, Finance, Economics or related field, 12+ years’ experience in banking or financial services, senior leadership roles in coverage, enablement, sales or strategy, Proven track record of managing complex, high-value client relationships at executive level, experience with eco-systems partnerships, Deep understanding of South African Business Banking, credit, risk and regulatory frameworks, Extensive experience in Personal or Private Banking products, Experience operating in high‑risk, high‑impact environments, Exposure to cross‑functional and enterprise‑wide coordination
Nice to Have
An MBA is preferred or a specialist Masters qualification
What You'll Do.
Own end-to-end performance of Unsecured Lending portfolio
Set and execute 3-to-5-year unsecured lending strategy
Lead Unsecured Lending Product House
Drive synergies across Product Houses
Ensure product propositions remain relevant
Own operations in processing
Partner with Finance on product profitability
Partner with Technology on credit systems changes
Shift to customer-centric unsecured lending models
Embed lifecycle thinking across acquisition
Deliver purpose-led solutions
Embed advanced analytics and decisioning
Optimize risk-adjusted returns
Ensure responsible data use
Own end-to-end collections and recovery strategy
Govern third party collections partners
Drive evolution of unsecured lending propositions
Identify and incubate new revenue streams
Own technology decisions and budgets
Prioritize change and develop roadmap
Strengthen governance
Ensure compliance with credit regulation
Represent franchise in governance forums
Lead multidisciplinary teams
Build high performance
Develop leadership succession and critical skills
How You'll Work.
Team & Collaboration
Partner with Credit Risk; Partner with Finance; Partner with Technology; Partner with channels
Communication Scope
Executive-level communication
Full 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**_ The Executive Head: Unsecured Lending is accountable for the end‑to‑end strategy, performance, and transformation of the Personal & Private Bank’s Unsecured Lending, including Credit Cards, Overdrafts and Personal Loans. The role owns profitability, growth, risk outcomes, customer value, and long‑term relevance of the unsecured portfolio, ensuring the Bank remains competitive against traditional peers, digital‑native lenders, retailers, telcos, and fintech ecosystems, while operating within a regulated banking framework. The Executive Head: Unsecured Lending is accountable for the strategy, performance, and long term competitiveness of the Personal & Private Bank’s unsecured lending portfolio, delivering customer centric Credit Card, Overdraft and Personal Loan solutions with disciplined risk, strong returns, and sustainable growth ** _Job Description_** **Key accountabilities** **Unsecured Lending Ownership** Own the end-to-end performance of the Unsecured Lending portfolio (Credit Cards, Overdrafts and Personal Loans). This scope covers product, risk outcomes, collections, lifecycle, innovation. The value chain this role owns is origination, product design, pricing, limit management, collections and analytics. Accountable for: * Strategy * P&L and balance sheet performance * Credit losses and risk outcomes * Capital efficiency and returns * People and talent strategies and development * Technology enablement solutions and innovative, progressive digital enablement * Managing risk and compliance * Set and execute a 3-to-5-year unsecured lending strategy aligned to Personal & Private Bank and Group objecti
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