The role requires deep industry understanding of retail banking, unsecured/Secured lending (credit cards) transaction account management, You will combine your sales management experience with strong awareness of trends in consumer payment preferences and technology usage, with the goal to develop payment experiences and solutions that increase customer engagement with drive card usage and preference.
• Perform go-to-market activities by closely working Credit, Marketing and branch teams.
• A team player that can bridge the gap between business, collections and branches while effectively collaborating with various internal and external teams.
• Open minded approach, and a positive attitude
• Creating product awareness to card holders and sales team at the branches.
• Preforming business analysis performance
• Managing the card portfolio projects

Main accountabilities and approximate time split

Portfolio Management 70%

• Manage Sales & after sale to Improve credit card   utilization strategies.
• Manage card issuing projects
• Provide knowledge to cardholders who are not aware on how the cards work.
• Branch visits for sensitization on card issuing to improve NTB.
• Building internal relationships with BB and CIB on go to market   credit card activities.
• Tracking the branch RMs on credit under delinquent status
• Portfolio fit by:
  • Operating plan/ KPIs
  • Product operational processes and governance (eg complaints, compliance, MI and reporting)
• Implementing the product strategy/approach
• Campaign activation, reporting and analysis

People Management 30%

• Team Leader – supporting both sales, RMs  at branches and collection teams
• Work together with Management to strategize on the business way forward
• Ability to work with multiple teams & Ability to drive strategy
• Excellent interpersonal and communication skills. Work together with team members to ensure deliverables

Risk and Control

 Manage risk and control effectively by applying applicable risk frameworks and embedding a positive risk culture.

• Understanding of own role in the end to end processes in which you play a part, including applicable risks and controls.
• Adhere to Absa’s policies and procedures applicable to own role, demonstrating sound judgement and responsible risk management.
• Report all risk events / incidents / issues using the defined process for your business area and help to understand why these happened and how to prevent them in future. Proactively look for ways to improve the control environment by considering what could go wrong in the processes you operate and how errors could be prevented.
• All mandatory training completed to deadline

Technical skills / Competencies

• Sales & Negotiation skills;

•    Communication & Interpersonal skills;
•    Global Relationship Management skills;
•     Reporting preparations
• Revenues and costs lines under cards

Knowledge and  Experience

Essential

• Full and extensive knowledge of Card products and services
• In-depth knowledge of collections and recovery

Requirements specific to the role

• supporting highly complex clients and/or services within a highly matrixed environment
• Sales experience.
• Credit card knowledge.
• Recovery and collection techniques.
• Proven success rate in negotiation in a corporate environment.
• Excellent communication skills and executive presence

Absa’s Values

Absa values provide a framework for how we in Absa work together and how we serve our customers and the communities.

• Trust
• Resourceful
• Inclusion
• Courage
• Stewardship

Education

Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)