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Head of Credit Operations Unit Job Placement – ABSA Group (Barclays)

Job Title:       Head of Credit Operations Unit
Organisation: ABSA
Group (Formerly Barclays Bank UK)
Duty Station: Kampala,
Uganda
Reports to: Head
of Operations
About US:
Absa Group Limited,
formerly Barclays Africa Group Limited, and originally Amalgamated Banks of
South Africa, is an African based financial services group, offering personal
and business banking, credit cards, corporate and investment banking, wealth
and investment management as well as bancassurance. It is the majority
shareholder of 11 banks spanning Botswana, Ghana, Kenya, Mauritius, Mozambique,
Seychelles, South Africa, Tanzania (two entities), Uganda and Zambia, with a
further two representative offices in Namibia and Nigeria. It also has an
international office in London, which opened in September 2018.
Job Summary:  The Head of Credit Operations Unit  will manage Risk Assessment for all loans
with integrity and making appropriate decisions in line with the Barclay’s
policies and procedures.
Key Duties and Responsibilities: 
Management of the
Credit Assessment process – 50%
  • Monitor the assessment of credit applications handled by the
    Assessing team to ensure that decisions are within policy requirements by
    Sampling of subordinate’s portfolio.
  • Act as an escalation point for all credit applications outside the
    discretionary limits of the Loan assessing officers
  • Assess and sanction or decline credit applications within own
    discretion
  • Refer applications outside own discretion, with recommendations to
    the Credit risk Team.
  • Communicate with branches on matters regarding risk assessment
  • Implement and ensure adherence to current credit policies as may be
    communicated by the Retail Credit Risk team.
  • Ensure that credit application assessment process is in line with
    business Service Levels and required Turnaround Time.
  • Minimise incidence of fraud and credit losses by ensuring credit
    processes and procedures are adhered to by the Loans Processing Unit.
  • Manage risks within the Loans Processing unit to levels acceptable
    within the business through current risk management framework.
People
Management  – 20%
  • Ensure appropriate up skilling of the Loan assessing team of by
    conducting on-the-job coaching and training
  • Drive productivity within Loan assessing team by directing and
    controlling workflow
  • Develop and agree individual and team performance standards and
    targets.
  • Review individual and team performance against agreed objectives.
  • Ensure team development by Identifying training needs of team
    members and recommending training plans to satisfy those needs.
  • Motivate and build own team
  • Initiate disciplinary process for team members where required in
    line with the Barclays Disciplinary and Grievance procedures.
  • Build and maintain excellent working relationships with other
    functions in Barclays Uganda to facilitate the development of the
    business.
  • Work closely with other Operations’ managers to ensure consistent
    delivery of service promulgating best practice without conflicting with
    local policy and regulations.
  • Work closely with other departments to ensure realization of
    benefits in terms of costs and operational efficiency without degrading
    service.
Controls  – 25%
  • Assign snap checks to team members and ensure close-out of
    identified issues.
  • Manage Risk Control Assessment (RCA) checks.
  • Ensure that all loans approved with discretionary limit meet the set
    product lending criteria before approval.
  • Ensure that all suspicious loan applications from the loan assessing
    team to the Fraud team for further investigation.
  • Monitor team error rates in relation to accuracy of information
    entered in the system and assessment forms and ensure that appropriate
    measures are put in place to address lapses.
  • Communicate any changes in Retail Lending policy to team members to
    ensure that they are implemented as required.
Contribution to the
team  – 5%
  • Share best practice and any red flags that are a result of the
    underwriting process.
  • Support other members of the management team when required to ensure
    business continuity and achievement of business targets.
Risk, Governance and
Regulatory:
Ensure that all
activities and duties are carried out in full compliance with regulatory
requirements, Enterprise Wide Risk Management Framework and internal Barclays
Policies and Policy Standards. Understand and manage risks and risk events (incidents)
relevant to the role.”
Key Performance Indicators
  • TAT
  • Volumes Processed
  • Value Disbursed
  • SLAs
  • Customer experience



Qualifications, Skills and Experience:
  • The ideal candidate for the ABSA Group Head of Credit Operations
    Unit job should have five years of 
    post qualification experience in a demanding operations / service
    management environment
  • At least five years banking experience with at least 4 years’
    experience in Credit Risk role
  • Any credit/finance/accounting/ Risk accreditation.
  • Extensive experience with an excellent track record of managing
    large teams in an empowered environment
  • A proven record in managing and delivering results against set
    targets
  • A proven record of delivering world class service in a cost
    effective manner
  • Successful major change management experience
  • Knowledge of regulatory requirements related to Loan processing
  • Understanding of Flex cube and other Barclays IT systems
  • Good understanding of rigour / risk management techniques



 Competencies:
  • Mentoring and coaching
  • Team leadership skills
  • Analytical skills
  • Interpersonal skills
  • PC skills
  • Organisation skills
  • Communication skills
  • Risk assessment
  • Numeracy skills to analyse statistical financial information
  • Negotiation skills
How to Apply:
All candidates who
wish to join the ABSA Group in the aforementioned capacity should apply online
at the link below.
For more of the
latest jobs, please visit http://www.theugandanjobline.com or
find us on our Facebook page https://www.facebook.com/UgandanJobline




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