Senior Manager Strategy at Nedbank

Job Purpose

• Responsible for designing and implementing strategies to recover maximum value from secured assets (such as home loans, vehicle asset finance, or commercial assets) linked to distressed debt.
• These roles focus on high-value portfolios, optimizing impairment performance, and utilizing data-driven methodologies to manage risk within banking and financial services environments.

Job Responsibilities

Strategy Development:

• Designing and implementing data driven collection and rehabilitation strategies for secured assets across the lifecycle.
• Developing "champion/challenger" models to test and refine collections strategies across the account delinquency lifecycle.
• Overseeing operational channels reporting—including call centres, digital collections, and External Debt Collectors (EDC)—to meet monthly targets and service level agreements (SLAs)
• Analyse portfolio-level data to identify risk factors, diagnose root causes, and propose actionable solutions, including code optimisation and reporting automation.
• Asset Recovery & Rehabilitation: Spearheading the Strategies for recovery of secured assets (immovable or tangible) to ensure maximum value extraction from non-performing loans (NPL)
• Performance Optimization: Driving efficiency in collections by reducing roll-forward rates (preventing accounts from moving to later stages of delinquency).
• Data Analytics: Using data, SQL, R, Python, and AWS to analyze portfolio risk and create predictive models for collection outcomes.
• Portfolio Management: Managing Non-Performing Loans (NPL) and maximizing net yield from recovery, including managing External Debt Collectors (EDCs) and legal channels.
• Regulatory Compliance: Ensuring all strategies align with South African regulatory and legal frameworks
• Communicate complex technical insights clearly to non-technical stakeholders.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate
• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• Honours Degree or equivalent in BCom (Maths, Stats, or Finance), Economics, Actuarial Science, or BSc Engineering.

Minimum Experience Level

• A minimum of 5–10 years in credit risk, collections & recovery, with specific experience in secured lending (e.g., Home Loans, VAF).
• Technical Skills: Advanced analytics skills (SQL, Python, R, Excel) and experience with champion/challenger strategy testing.

Technical / Professional Knowledge

• Budgeting
• Business Acumen
• Business administration and management
• Business terms and definitions
• Change management
• Client service principles
• Communication Strategies
• Consumer behaviour
• Diversity management
• Employee training/development
• Financial Accounting Principles
• Operations planning
• Organisational systems
• Principles of project management
• Relevant Nedbank product knowledge
• Relevant regulatory knowledge
• Service level agreements
• Staff resource planning
• Strategic planning
• Business writing skills
• Management information and reporting principles, tools and mechanisms
• Governance, risk and controls
• Client Service Management

Behavioural Competencies

• Qualifying Sales
• Technical/Professional Knowledge and Skills
• Customer Focus
• Innovation
• Work Standards
• Initiating Action
• Managing Work
• High-Impact Communication