SME Portfolio Manager Job in Kenya - Absa Bank

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SME Portfolio Manager Job in Kenya - Absa Bank

SME Portfolio Manager

Job Summary

To plan, manage and monitor the implementation of credit control management activities and processes in order to deliver on approved operational plans in an effective and efficient manner.

Job Purpose

Reporting to the Head of Business Banking sanctioning, the role holder will be required to collaborate in shaping SME risk appetite and Target Market Criteria (TMC) to build a profitable and sustainable business

Review, recommend and build SME fit-for-purpose risk processes across the end-to-end lifecycle (multi-year outlook).

Assess current capability against ambition and build a plan to close the gap with clear annual deliverables.

Implement risk policy, account management and collections and impairments processes (Proactive and not reactive)

Key Accountabilities

Accountability:  Credit Risk Management   Time Split 70%

Accountability for the strategy and quality of the SME lending book, including all aspects of lending.

In collaboration with the business counterparts, develop, implement, and maintain SME 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 SME credit teams.

Input on review of the scorecard cards and monitoring the scorecard cards to ensure effective and efficient delivery of the intended purpose and result

Guide and support SME key stakeholders on all matters relating to credit risk within SME with special focus on secured and unsecured book.

Review and Implementation of credit policy and processes.  Feed into business and credit policy development.

Ensure timely and effective monitoring and control of the SME lending book. Review and challenge information and performance.

Managing, review and challenge change to ensure that the anticipated benefits are not only met but maximized.

Ensure adherence to Lending discretions with appropriate delegation to the SME Credit and Credit Operations/ RCU 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.

Handling Policy Dispensations

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:  Team Management Time Split 30%

Promote teamwork in delivering performance by designing performance measurement processes that recognizes performance both at individual and team levels

Coaching team members on how individual and team PD financial targets are measured proactively reflecting on their feedback to win buy-in for effective and efficient PD review and process improvement.

Preferred Qualification

A numeric degree (math, statistics, economics, operations research) or master’s degree, A business ARO background is an added advantage.

Proven experience in performing data analysis utilizing a standard statistical package

Preferred Experience

High level of PC literacy, ideally with programming experience

Practical experience of using analytics to solve complex business problems.

 Able to present complex analytical concepts to all levels of the business.

Communication (both verbal and written)

Creative thinking and ability to explore new ideas / opportunities and develop innovative approaches.

Knowledge and skills

Working knowledge of Group policies and strategies relative to the credit function

Product knowledge

Detailed understanding/fit of the vision for Risk

Detailed understanding of the Bank’s policies on Employment/Redeployment, Equal Opportunities and Health & Safety

Working knowledge of local country structure and strategy

Leadership and performance development of a team

Managing risk and reward

Behavioral competencies


People management and coaching

Communications (written and oral) and presentations

Effective negotiation and influencing

Technical competencies

Risk Management

Business Management

Strong Lending skills


How to Apply

Click Here To Apply

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