Business Banking Director, Mozambique

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Job Summary

As a member of the Absa Bank Mozambique Country Management Committee, the Business Banking Director is accountable for setting and executing the Business Banking strategy for Mozambique, with end to end ownership of revenue growth, portfolio performance, people leadership and risk adjusted returns.

The role leads the Business Banking franchise to deliver sustainable and profitable growth across lending, deposits and fee income, while actively managing balance sheet trade offs, credit throughput and portfolio quality within Mozambique’s regulatory, macro economic and market constraints

Job Description

Key Accountabilities:

1. Strategy Development & Execution

• Define and execute the Mozambique Business Banking strategy aligned to Country objectives and the Africa Regions agenda, translating Group and Regional priorities into clear in‑country execution plans.

• Identify priority client segments, industries and value propositions that deliver risk‑adjusted growth within Mozambique’s economic and regulatory context.

• Shape and evolve the Business Banking operating and service model to improve competitiveness, client experience, cost efficiency and profitability.

• Represent Business Banking at Country and Regional governance forums, contributing to overall country strategy and influencing Group and Regional support where required.

2. Business Management & Portfolio Ownership

• Carry full accountability for the Business Banking balance sheet and income statement, including loan book growth, deposits, fee income, asset quality and returns.

• Sponsor and oversee origination and structuring of material Business Banking credit transactions, in partnership with Credit, Risk and Product teams.

• Actively manage credit throughput, pipeline conversion and portfolio performance to ensure growth is not constrained by avoidable process, capacity or structural bottlenecks.

• Ensure disciplined balance sheet management, including portfolio diversification, pricing discipline and optimisation of risk‑adjusted returns.

• Drive cross‑sell of transactional, treasury and other Business Banking solutions to deepen client relationships and enhance portfolio sustainability.

• Monitor and act on key performance indicators including growth, margins, impairments, portfolio health and operating efficiency.

3. Governance, Risk & Control

• Ensure all Business Banking activities operate within regulatory requirements, risk appetite and delegated authority frameworks.

• Own the risk outcomes of the Business Banking portfolio, embedding a strong culture of credit discipline, fraud prevention, AML and KYC compliance.

• Partner closely with Risk, Legal and Compliance to balance growth ambitions with prudent risk management in a volatile and evolving regulatory environment.

• Act as an accountable executive for audit findings, regulatory reviews and remediation actions relating to Business Banking.

4. Leadership & People Management

• Build, lead and retain a high‑performing Business Banking leadership team with strong commercial, risk and execution capability.

• Drive a performance culture with clear accountability for results, productivity and conduct.

• Develop succession plans and talent pipelines for critical Business Banking roles, ensuring leadership continuity.

• Act as the highest escalation point for people‑related matters within the Business Banking division.

• Partner with Human Capital to ensure the operating model, skills mix and capacity are aligned to current and future execution requirements.

Experience & Capability Requirements

Essential Experience

• Senior leadership experience in Business Banking, Commercial Banking and/or CIB coverage roles, preferably within emerging or frontier markets.

• Proven track record of delivering growth and portfolio performance in constrained credit, capital or regulatory environments.

• Strong hands‑on experience in credit structuring, portfolio management and risk‑adjusted decision‑making.

Preferred Experience

• Prior experience operating in Mozambique or comparable Southern/East African markets.

• Exposure to business turnaround, portfolio remediation or performance recovery contexts.

Core Skills & Leadership Attributes

• Strong commercial judgement and negotiation capability.

• Ability to lead through ambiguity, regulatory change and market volatility.

• Proven capability to mobilise teams and stakeholders around execution priorities.

• Deep understanding of Business Banking economics, balance sheet drivers and risk‑return trade‑offs.

Education

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