Portfolio Manager - Retail Credit Risk at Barclays Africa Group Limited

Job description

Requirements

• Reporting to the Head of Retail Credit Risk – BAGL – RBB, be responsible for leading and directing the management of Retail Credit Risk for the countries allocated (circa 3). The total Rest of Africa Portfolio consists of 10 countries, circa R2.5 billion provision stock and annual impairment of circa R1 billion .The role holder will particular, to:
• Transform the way Retail Risk is managed in order to reflect the growth strategy of Barclays Africa
• Manage the allocated Barclays Africa Retail Credit Risk portfolio and profile within its risk appetite and acceptable Group parameters
• Develop a high performance culture in the country risk teams
• Driving the development of the Barclays Africa Retail Credit Risk and Portfolio agenda and underpinning performance metrics/infrastructure in a multi-geography environment.

Key Accountabilities:

• Contribute to the development of a world class Barclays Africa cluster credit risk model infrastructure (50%)
• Lead Retail Credit Risk Policy, Portfolio Management and strategy for allocated Barclays Africa ensuring a robust risk framework and that the strategic risk is effectively managed to deliver the agreed returns
• As the key member of the Barclays Africa Regional Risk team recommend policies, strategies and procedures to improve the management of Retail Credit Risk in line with the Barclays Africa Retail and Business Banks Strategy
• Lead the articulation of the Retail Risk Management framework for specified risk types (credit, portfolio, operational risk) in allocated countries
• Articulate and establish appropriate governance for the allocated country Retail Credit Risk teams
• Contribute to the establishment of an appropriate strategy and enabling policies for the regional risk teams as well as the country risk teams in line with the RBB strategy
• In partnership with the Country Retail Credit Risk teams take responsibility for the retail credit risk strategy performance in delivery of the plan
• Deputise as required for the Head of Retail Credit Risk
• Risk Management & Control 35%
• Contribute to the articulation and establish appropriate governance as a SBU and for all of the managed countries for all of the Barclays African countries in line with the Barclays Africa strategy
• In partnership with the Country Retail Credit Risk teams take responsibility for the retail credit risk strategy performance and control environment in delivery of the plan
• Support the Head of Retail Credit Risk in delivering the Retail Credit Risk performance and control plan
• Stakeholder Management 15%
• Contribute to the improvement in retail credit risk capability in terms of people, process and measurement for allocated countries
• Contribute to the development of mobility and talent management plan across the country regional teams
• Actively participate in the regional and country performance management and recruitment process

Education and Experience Required

• B.Sc-degree Honours or B.Com Honours. MBA or a related NQF Level 9 equivalent qualification a strong advantage
• (5+) years’ experience in the Banking sector which must include proven experience, preferably with international exposure and having worked in multiple locations/ countries.
• (3) years’ experience in managing a large portfolio
• (3) years’ experience on a senior management level in a large corporate

Knowledge & Skills:

• Ability to operate at a strategic level in ambiguous / dynamic environments
• Proven retail credit risk and SMEa knowledge and experience across secured and unsecured products. Also developed and managed credit risk policies and strategies
• Experience of managing diverse and senior stakeholders across a group
• Proven leadership of a material Retail Credit Portfolio and ideally across a number of countries
• Proven experience of accounting and regulatory policies applicable to the management of retail credit risk
• Experience of building and transforming credit functions

Competencies:

• Analysing
• Adapting and responding to change
• Coping with pressures and setbacks
• Formulating strategies and concepts
• Deciding and initiating action
• Delivering results and meeting customer expectations
• Leading and supervising
• Working with people

Special work requirements: Must be able to travel outside of SA (min 3 weeks per annum)