Empowering Africa’s tomorrow, together...one story at a time. 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. Job Summary We are looking for a dynamic manager to drive the design, delivery and optimisation of credit innovation initiatives across the consumer credit value chain. This role bridges credit risk, product, analytics and customer experience, with a focus on executing customer-centric credit strategies, improving journeys, and delivering commercial outcomes. Credit Proposition Execution & Optimisation Support the design and optimisation of end-to-end credit journeys (application, allocation, servicing, maintenance) Implement business rules and decisioning strategies aligned to profitability, risk and customer outcomes Translate customer insights into targeted credit offers and interventions Support transition from product-led to customer-led credit strategies Monitor performance of propositions and recommend enhancements Customer Experience (CX) & Journey Delivery Execute initiatives to improve customer experience across the credit lifecycle Identify and resolve pain points, drop-offs and inefficiencies in customer journeys Collaborate with digital, CX and design teams to enable frictionless, digitally-led experiences Contribute to embedding UX and human-centred design in credit products Support delivery of omni-channel consistency Capability Enablement & Data-Driven Decisioning Support the deployment of advanced credit capabilities (analytics, behavioural triggers, segmentation) Leverage data insights to improve engagement, utilisation and collections outcomes Assist in identifying customer triggers and contextual interventions Drive continuous improvement in decisioning through analytics and feedback loops Experience 5-8 years’ experience in banking, lending or financial services Background in credit strategy, analytics, or portfolio management Experience working across risk, product, data and CX teams Exposure to digital or CX initiatives is advantageous Skills & Capabilities Solid understanding of credit products, underwriting and regulatory frameworks Strong analytical and problem-solving capability Ability to translate insights into practical, implementable solutions Strong stakeholder management and collaboration skills Delivery-focused with attention to detail Continuous improvement mindset Leadership Profile Commercially aware, balancing risk, growth and customer outcomes Strong collaborator across cross-functional teams Comfortable operating in a dynamic and evolving environment Drives execution and accountability Influences without formal authority Education Bachelor Honours Degree: Information Technology (Required) Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, 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. Absa Bank Limited reserves the right not to make an appointment to the post as advertised. #J-18808-Ljbffr