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.
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Job Summary
To effectively support the in developing strategies throughout the credit cycle including prospect targeting and acquisition, exposure management, customer marketing, collections and recovery. This also includes ensuring successful score card deployment, implementation and performance tracking, building and tracking test cases, Sampling responsibility to ensure credit quality is maintained as well as Perform portfolio quality reviews.To support the Head of Retail Credit risk in building monthly Scheme portfolio reports, forbearance reviews, limit reviews as well as annual reviews as and when required. Additionally lead the Macroeconomics section in the department by circulating highlights in the news affecting the portfolio, monthly economic reviews, sector analysis as well as competitor analysis on the retail credit risk portfolio.
Job Description
Key accountabilities/Deliverables/Outcomes
Accountability: Development of Risk Management Models - 20%
- Design and development of effective credit risk management models for the mobile lending product
- Design and development of application and behavioural scorecards for different products/markets portfolio
- Definition of a credit strategy for each portfolio to optimize portfolio profitability
- Continuous research and testing to assure effectiveness of the credit risk models and tools
Accountability: Execution and Maintenance of Risk Management Models - 30%
- Execution and maintenance of these credit risk models to optimize profit
- Review and underwrite credit strategies that may require subjective input
Accountability: Portfolio Monitoring - 30%
- Portfolio monitoring to identify trends and mitigation strategies to achieve target credit risk metrics
- Define and manage a portfolio management strategy that assures compliance to performance metrics
- Preparing monthly macro-economic reviews on the exchange rate, inflation, interest rates and other factors affecting the economic environment
- Carrying out regular competitor analysis with regard to products and financials
- Regularly updating the macro-economic library in view of the required Sectors intelligence and regulatory landscape
- Co-related portfolio performance and macro-economic environment
Accountability: Quality Assurance - 20%
- Contribution to the product development to assure quality is integrated to product design
- Contribute to product and process design and development to build quality at design
- Contribute to Sales strategies to positively influence the target population and product uptake
Role/person specification
Qualification
- A Bachelor’s degree in a maths/statistics/economics/ operations research related field
Experience
- Comprehensive credit skills
- General commercial and industry awareness
- Working knowledge of risk management policies procedures and pricing
- High analytical ability
- Proven excellent presentation skills
Absa Bank Kenya is an equal opportunity, affirmative action employer. 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.
***Application Deadline: 29th October 2026***
Education
Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)Skills Required
- Bachelor’s degree in mathematics, statistics, economics, operations research, or a related field
- Further Education and Training Certificate in Business, Commerce and Management Studies
- Comprehensive credit skills
- General commercial and industry awareness
- Working knowledge of risk management policies, procedures, and pricing
- High analytical ability
- Excellent presentation skills
Absa Group Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Absa Group and has not been reviewed or approved by Absa Group.
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Healthcare Strength — Medical aid, group life, disability, and funeral cover are described as comprehensive, with features such as terminal‑illness advances and beneficiary grocery benefits. Wellness and assistance offerings support overall financial and personal wellbeing.
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Retirement Support — A pension fund and group retirement arrangements are positioned as core benefits within fixed remuneration. Retirement coverage is embedded alongside other protections as part of standard employment.
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Equity Value & Accessibility — Employee share‑ownership (eKhaya) and equity‑linked awards broaden wealth‑sharing, with dividends or cash‑equivalent participation in some markets. This provides longer‑term value beyond base pay.
Absa Group Insights
What We Do
Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise growth on the African continent and beyond. We’re a truly African brand, inspired by the people we serve in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania, Uganda, and Zambia. We also have representative offices in China, Namibia, Nigeria and the United States, as well as securities entities in the United Kingdom and the United States, along with technology support colleagues in the Czech Republic.
