Regional Credit Manager: KZN Region

Responsibilities

• Portfolio Oversight
• 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
• Business Enablement
• 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
• Risk Management
• 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
• Policy Adherence and Governance
• 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
• Stakeholder Engagement
• 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
• People Management & Leadership
• 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
• Key Requirements
• 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.
• Key Competencies
• 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 reserves the right not to make an appointment to the post as advertised

Benefits

Additional Information

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 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. Job Description

Your Match

How well this role fits your profile.

Company Intel

What employees say

Worked at absa? Share your experience