Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

To lead and manage the Recoveries and Rehabilitation function for Business and Commercial Banking (BCB) loan portfolios by executing the BCB credit recovery strategy.

• Execute the Business & Commercial Banking Recoveries and Rehabilitation strategy in alignment with overall BCB and Group Credit Risk objectives.
• Manage non-performing and distressed BCB loan portfolios, including term loans, overdrafts, asset finance and structured facilities.
• Drive portfolio segmentation strategies (early arrears, distressed, legal, rehabilitation) to maximise recoveries and client rehabilitation outcomes.
• Analyse portfolio trends, risk indicators and recovery performance to proactively address emerging risks. Develop and implement sustainable rehabilitation solutions for viable BCB clients, including restructuring, rescheduling and workout arrangements.
• Ensure full compliance with credit policies, recovery procedures, regulatory requirements and governance standards.
• Lead, coach and develop Recoveries & Rehabilitation team members through a hands-on, performance-driven management approach.
• Build and maintain strong working relationships with BCB Relationship Managers, Credit Risk, Legal, Collections, Finance and Operations teams.
• Drive operational efficiencies through improved processes, systems usage and data-driven decision-making, Strategic & Portfolio Management

• First Degree in Business Commerce, Finance, Accounting, Banking or related field. 
• Postgraduate qualification in Credit Risk Management, Business Management or Law (Preferred).
• 7–10 years’ experience in banking, with significant exposure to Business & Commercial Banking credit risk, recoveries or restructuring 
• Proven experience managing distressed loan portfolios, restructurings and legal recoveries.
• Experience leading teams and managing senior internal and external stakeholders. 
• Understanding of the products and services features, benefits and pricing of the products and services on offer to the business across multiple business areas.

Technical Competencies:

• Coaching and Mentoring
• Contact Centre Customer Relationship Management
• Managerial Budgeting
• Performance Management
• Product and Services Knowledge
• Risk Management
• Workflow Management

Behavioural Competencies:

• Developing Expertise
• Developing Strategies
• Embracing Change
• Empowering Individuals
• Interacting with People
• Interpreting Data
• Making Decisions