Loan Processing Centre Team Leader

Mauritius
Permanent
Full-time

7 days ago

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.: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.Job Summary • Ensure that all activities and duties are carried out in full compliance with regulatory requirements, ABSA Operational Risk Framework and internal ABSA Policies and Standards.

Support the end-to-end processing and maintenance of retail assets products such as SME products, loans, cards, overdraft, excesses (including assessment and disbursement of retail loans, new/renewal of overdraft, handling of insurance renewal and expired securities, Bancassurance, vetting for KYC compliance, customer file tracking and filing, monitoring and control of account in excess) as offered by the Bank from an operational perspective.

Job DescriptionOperationsAssessment, approval and disbursement of retail assets products such as non-scored loans/credit scored loans/card applications/renewal of overdraft/new overdraft request as per mandate/frameworkResponsible for the day to day monitoring and control of all lending ( both authorized and unauthorized ) to the Consumer Sector including all related activities such as daily monitoring of out of order retail savings and current accounts as per policy rules, FOS authorizations, auctioning of all excesses report.Apply operational rigour and comply with operational risk and standards at all timesSupport in achievement of set team targetsAttend to queries from branchesPlan, organize & complete tasks and activities aligned with performance objectivesConsistently updated on processes and proceduresProcess proposal forms Insurance related with associated entries to process paymentsAttend to end-to-end process of insurance operations (which includes and is not limited to-sending of renewal notices, sending of chasers to customers in arrears, liaise with insurance companies, keep updated filing and set instructions in place as well as amend or cancel standing order.Attend to end to end process MCIB(new credit facilities and replacement cards as well as write off accounts) Oversight on the overall performance of the Squads-track & measureTeam allocation of work-with attention to PriorityManage capacity planning of the teamEmbrace change and contribute to the overall success of the tribe.Attend to MCIB queries & requests and update Bank of Mauritius daily.People ManagementDrive and monitor goals and objectives of teamBuild and develop a team that enables them to execute their rolePerform People Manager functions such as RecruitmentTalent managementMentoring and coachingPerformance management and developmentTraining and developmentReward and recognitionManagement of team reporting to themAbility to work in a teamSupport colleagues where required with a view to impact on overall performanceUpskilling & share knowledge with other peersCustomer ObsessionThink customer in all interactionsFocus on customer experienceBuild trust with the customers through quick decisioning & disbursementComplaint -Escalation & resolutionProvide solutions to resolve customer complaintsTrack & measure complaints as per existing SLARisk management

Follow the Risk procedures & policies of the Bank
Conduct RACI/CPA /related control testing for the department
Embed new guidelines
Comply to Regulatory policies
Coach team on policies
Compile documentation for reviews such as Bank of Mauritius ,BIA and others

MI & AnalyticsPerform MI duties and analysisProject ManagementSupport and work on some key projects within the Consumer operations spaceDrive process improvements in the teamWork on Process improvements along with the team to improve efficiency in the Consumer Ops spaceRole/Person SpecificationPreferred Education:

Degree with minimum 5 years relevant experience or equivalent of 8 years bank related experience

Preferred Experience:

Operational Awareness
1 Year Relevant Experience with SME background
Some Leadership experience

Knowledge & Skills:

Knowledge of the bank’s customer service standards
Good knowledge of the Personal Credit Policy
A good understanding of the bank’s lending policies, principles and procedures
A good knowledge of the bank’s lending criteria across all segments and the products and services relating to them
A general knowledge of the Retail Risk Policy & standards , Unsecured loans/Personal Overdraft/Mortgage/Cards/SME and any other retail products User manual and Guide to management of risk
In-depth knowledge of the full ABSA Retail product set, with special attention to the product suite available to Prestige/SME customers.
Understanding of ABSA Retail strategy, operating structure and interface with other functions
Good understanding of Risk and Credit policies and procedures
Detailed understanding of people policies and procedures
Principles of lending
Basic Risk Management Techniques
Knowledge of Insurance products
Understanding of technical support systems

Technical Competencies:

Planning & organising
Creating and innovating
Adapting and responding to change
Risk management
Be Innovative
Project Management
Team Management

Behavioural Competencies:

Strong analytical skills
Strong communication, Presentation and Interpersonal skills
Performance Management Skills & Resource Management
Coaching skills
Show initiative/Proactive
Cultural and Change Management
Strong Microsoft Office Skills – Excel/Visio/Word/Powerpoint
Time Management Skills
Team Player
Ability to work under pressure and at odd hours/ on a shift system
Customer obsession
Adapting and responding to change
Be self-directed

EducationHigher Diplomas: Business, Commerce and Management Studies (Required)

Absa

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