Website ABSA Bank Tanzania
ABSA Bank Tanzania
Empowering Africa’s Tomorrow, Together — One Story at a Time
With over 100 years of rich history, Absa is proudly positioned as a local bank with strong regional and international expertise. A career with Absa offers the opportunity to be part of an exciting growth journey — to reset the future and shape destiny as a proudly African group.
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Job Summary
The role is responsible for leading the Mobile Lending and Analytics (JUMO) function, with full accountability for ensuring a high-quality mobile lending portfolio. The position delivers analytical solutions, management information (MI), models, profitability measurement, and impairment management while ensuring full compliance with policies, frameworks, and regulatory requirements.
The role partners closely with Retail, Credit Risk, Finance, JUMO, and Centre teams to optimize portfolio performance, manage risks, and support strategic decision-making.
Key Accountabilities
- Lead development of JUMO MI and analytics for all Retail Credit Governance Committees within the country.
- Assess mobile lending portfolio profitability, growth, and risk on an ongoing basis.
- Ensure compliance with Group Credit Policy, local banking regulations, agreed JUMO credit frameworks, and product plans.
- Coordinate and provide inputs on impairments, forecasting, and analytics to stakeholders.
- Understand JUMO CVP constructs and participate in credit score validation and model development to optimize product profitability.
- Ensure timely and fully reconciled loan loss allowance for the JUMO portfolio.
Job Description
1. Mobile Lending – JUMO (40%)
- Collaborate with Retail Credit, Retail, Finance, JUMO, and Centre teams to deliver revenue and customer acquisition targets.
- Analyze trade-offs across the mobile lending lifecycle (pricing, volume, tenure, probability of default) and assess impact on revenue, asset quality, impairments, and profitability.
- Perform detailed credit analysis by processing large datasets and converting them into actionable insights.
- Identify portfolio risk and opportunity segments and develop strategies to optimize revenue potential.
- Support weekly and monthly portfolio reviews and forecasting aligned to Product Plans.
- Manage monthly impairment processes, ensuring robust controls and alignment with Country and Centre agreements.
- Monitor credit risk models and participate in ongoing testing and research to ensure effectiveness.
- Provide input into annual product plan reviews and coordinate quarterly and ad-hoc portfolio reviews.
- Engage with Mobile Network
To apply for this job please visit absa.wd3.myworkdayjobs.com.