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.
My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.
Job Summary
The role is responsible to manage the Debt and Working Capital products in Business Banking and lead all the activities required to grow the franchise in an effective manner, including appropriate pricing (RORWA) and structuring, focus on cross sell, and becoming the leading bank in Ghana.Job Description
Business Management
Time split : 70-75%
- ‘Own’ the Debt and Working Capital Balance sheet and P&L targets – along with the relationship managers in each coverage segment
- Formulate overall strategy across coverage segments including products, customer proposition, lending approach.
- Assist RMs in originating and executing debt transactions across all teams.
- Work with specialist product areas to offer clients a comprehensive and competitive package to meet their requirements.
- Ensure arrangements with key internal product providers operate in an efficient manner.
- Implement Debt and Working Capital Pricing Policy and ensure appropriate product and relationship pricing.
- Lead PRGC process for Debt products at a country level.
- Be fully aware and compliant with all governance issues affecting Debt Finance and address these issues accordingly.
- Attend team meetings on a regular basis to maintain dialogue / sharing of information to ensure up to date knowledge of market place, business development activity / initiatives, competitors and people issues etc.
- Maintain an up-to-date Debt and Working Capital pipeline (weekly)
- Understand dynamics of Debt portfolio and identify opportunities.
- Identify and implement best practices across coverage segments
- Ensure pipeline deals crystallize to Balance Sheet
- Continually seek to enhance the credit fulfillment process
People Development and Management
Time split : 25-30%
- Develop skills and knowledge, supporting RMS in country in understanding Debt products more comprehensively.
- Grow capabilities in country.
- Build collaborative network with Credit Director, Head of Wholesale Credit, Sanctioners and CCMs
- Ensure compliance with all relevant Absa policies.
- Establish and embed the values, behaviours and risk appetite that will underpin the achievement of business objectives.
- Provide opportunities for learning and development for the country teams.
Technical Skills/ Competencies
- Managing Relationships
- ‘Selling’, negotiating and influencing skills
- Business awareness & business development
- Strong credit risk analysis skills
- Good teamwork skills
- Strong performance management skills
- Creative/ Innovative
- Good at decision making
- Strong formal presentation skills
Knowledge, Expertise and Experience
- Relevant knowledge and experience in banking specifically Business Banking Debt products
- Matured and results-orientated
- Intimate knowledge of competitor skills and competencies
- Atleast 5 years’ experience with exposure in credit and coverage
- Demonstrated capacity to lead, coach, and supervise team members effectively
- Visible excellent communication (written and verbal) and negotiation skills
Preferred:
- Experience of working in a multinational, multi-segment, environment with matrix reporting.
- Banking and Financial services industry related knowledge
- Experience at a senior level, preferably in an international financial institution
Education
Bachelor's Degree: Business, Commerce and Management Studies (Required)Skills Required
- Bachelor's Degree in Business, Commerce or Management Studies
- At least 5 years' experience with exposure in credit and coverage
- Relevant experience in Business Banking Debt and Working Capital products
- Experience owning/managing Debt and Working Capital balance sheet and P&L targets
- Strong credit risk analysis skills
- Proven relationship management and selling skills
- Negotiation and influencing skills for deal structuring and pricing
- Business awareness and business development capability
- Demonstrated capacity to lead, coach, and supervise team members effectively
- Strong performance management and decision-making skills
- Excellent written and verbal communication and presentation skills
- Knowledge of governance, compliance and credit approval processes
- Ability to build collaborative networks with credit and sanctioning stakeholders
- Creative and innovative approach to product and process improvements
- Teamwork skills and capability to develop country RM capabilities
- Experience working in a multinational, matrixed environment
- Banking and financial services industry knowledge (multinational/international exposure preferred)
- Experience at a senior level in an international financial institution
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.
-
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.
-
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.
-
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.
