Job Description Key accountabilities/Deliverables/Outcomes Accountability: Credit Risk Management – 40% In collaboration with the business counterparts, develop, implement and maintain credit risk strategies Ensure the highest standards of credit quality through the sanctioning, sampling and application of best practice to credit proposals, and maintenance of these standards throughout the Credit Teams. Review and Implementation of credit policy and processes. Feed into business and credit policy development. Ensure adherence to Lending discretions with appropriate delegation to the Retail Credit and Credit Operations Team. Exercise personal judgment and discretion in the evaluation and approval/decline of credit proposals. Responsibility for personal & team adherence to governance, compliance and lending portfolio controls. Ensuring audit outcomes are satisfactory backed by conformance to policy and procedures including proactive management of agreed responsibilities for Data Integrity. Maintain interactive relationship with relevant ARO/Group Risk/Business/Operations/Conformance Teams. Challenge pricing and profitability models in order to maximize value. Ultimate sign off at customer level remains with Business. Design, implement and maintain generic strategies for appropriate remedial action on poorly performing accounts in the portfolio Accountability: Business Risk Partnership & Stakeholder Management – 40% Work in partnership with the Head of Retail and Business Banking Credit to ensure that the credit team proactively anticipates & responds to (and seek to exceed) the expectations of customers. Always looking to add value. Develop a strong Risk/CODO/Retail Business partnerships Represent Retail Credit Risk in forums where Credit Risk is directly or indirectly impacted. Accountability: Leadership – 20% Be part of a highly motivated team maintaining excellent relationships within own team and wider business to ensure achievement of business goals. Consider the training and development needs of the team and support the development and implementation of solutions. Act as a role model and drive proactive application of Absa behaviours throughout the team including establishment of common goals and objectives. Ensure effective performance development and succession planning for the team.