Branch Manager

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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.

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Job Summary

To manage and grow the Credit Card portfolio by driving acquisition, activation, spend, profitability, customer engagement, and portfolio quality while ensuring compliance all in country regulatory regulations, Absa policies, and card scheme requirements (Visa/Mastercard). The role is accountable for the end-to-end performance of the credit card business, including product management, portfolio analytics, risk oversight, and commercial execution.

Job Description

Key accountabilities

Business Growth (35%)

• Develop and implement portfolio growth strategies to expand credit card acquisition, increase card usage, and enhance portfolio profitability.
• Drive the achievement of credit card revenue targets through optimization of interchange income, interest earnings, annual fees, and other card-related revenue streams.
• Develop and implement strategic initiatives to drive sustainable growth of the credit card portfolio, aligned with the bank's retail banking objectives.
• Lead customer acquisition, card activation, and usage campaigns to expand the active cardholder base.
• Drive growth in card spend, revolving balances, and customer engagement while delivering exceptional customer experience and service excellence.
• Monitor portfolio profitability, return on assets, and overall portfolio performance to ensure sustainable growth and value creation
• Develop and maintain strategic partnerships with cross functional units, as well as Direct Sales teams, to accelerate credit card sales, activation, and utilization.

Product Management (20%)

• Oversee the end-to-end lifecycle management of credit card products in collaboration with the Card Customer Lifecycle Management (CLM) team.
• Coordinate product launches, enhancements, pricing reviews, and portfolio refresh initiatives to maintain market competitiveness
• Conduct regular competitor benchmarking and market analysis to ensure the bank's card offerings remain industry-leading
• Identify market opportunities and customer needs to enhance existing products and develop innovative card propositions
• Support the development and growth of premium, rewards, affinity, co-branded, and partnership card programs.

Customer Excellence (20%)