Analyst: Credit Risk at MTN

Mission/ Core purpose of the Job
The Credit Analyst is responsible for the execution and reporting of the credit risk (acquisition and account management), fraud management and collections strategies relating to the specific designated digital banking Asset products within Finco’s Mobile Money landscape, across the Groups African footprint.

Key Performance Areas: Core, essential responsibilities / outputs of the position (KPA's) 
Strategy Development and Implementation

• Provide reports and analysis to support and contribute to the development of the functional strategy in line with the overarching business goals
• Ensure accurate and timely reporting to enable the regular review of the functional strategy, roadmap and performance to ensure its alignment with the changing dynamics of the internal and external ecosystem

Operational Delivery

• Development & evolution of income estimation / affordability models / methodologies (customer & product level)
• Overlay credit risk policies and define exposure limit management in line with empirical models & risk appetite (customer & product)
• Execution of the respective / related account management strategies i.e., limit increase/decrease, collections, risk-based pricing, including defining/deploying Champion/Challenger strategies as part of the Portfolio Management optimisation objectives
• Understand Provisioning methodology and be able to work alongside Finance to construct methodologies and capability to execute monthly empirically based Provisioning levels at a Product/Portfolio level
• Attend & Contribute to Credit Committee discussions, be it with internal or external stakeholders, where it relates to credit risk performance, i.e., origination, account management strategy performance and/or portfolio performance, including any/all policy/strategy related recommendations and motivations thereof.
• Furthermore, play an integral role in working alongside:
• Product Development and Finance to ensure “fit for purpose” strategies and policies are developed to support the product roadmap
• Decision Science in the definition, development and evolution of Finco’s Digital Banking prediction capability, and the optimisation thereof
• Portfolio Management from a risk-based pricing and portfolio optimisation perspective – ensuring alignment to business strategy, profitability and continuous credit risk management capability improvement.

Governance

Operational, Tactical and Strategic Meetings

• Provide input in strategic meetings when required
• Provide inputs into the risk mitigation and controls
• Provide input into the preparation of proposal on change initiatives, policies and procedures

Escalations

• Escalate issues that will result in severe time, scope, productivity, and cost or resource impact
• Provide solutions to escalations that have multiple processes / functions impact on critical path of service delivery

Function Tactical

• Provide input into all projects initiated when required
• Provide input into establishing objectives, targets and budgets for the function as applicable
• Identify and document key risks, issues and dependencies and set mitigation actions
• Prepare documentation required for sign-off / making decisions regarding tactical changes

Job Requirements (Education, Experience and Competencies) 
Education:

• 4-year Financial, Commerce, Statistical, Credit Risk Management (or related) Degree
• Postgraduate qualification/ Certification in Credit Risk Management is advantageous

Experience:

• A minimum of 5 years’ experience in analysing, developing and deploying credit risk & collections (credit life cycle) strategies in a scalable/large scale Financial Services and/or Consumer Finance
• Experience in data analysis, data manipulation and management, business performance management and/or reporting within the financial sector or banking industry
• Prior experience Financial Services, with experience within the telecom industry and with Mobile Money being an added advantage
• Experience working in a medium to large organization
• Experience working across global locations/ regions and have a grasp of political, social, infrastructure and integrity challenges (preferred)

Competencies:

Functional Knowledge:

• Proficiency in full credit lifecycle management
• Credit Risk Management “Best Practice” methodologies
• Credit Risk Portfolio management
• Risk Rating and Trend analysis
• Credit Risk Frameworks
• Knowledge across a multitude of Asset products, specifically via the delivery thereof via non-traditional and traditional channels, leveraging Telco “big” data
• Strong credit risk, fraud and collections knowledge
• SQL, SAS, Python, or other data analytics/data science languages
• Working knowledge in related Big Data technologies

Skills

• Business Acumen
• Analytics and Interpretation
• Strategic Thinking
• Organizational Agility
• Digital mind-set
• Dealing with ambiguity and complexity
• Decision Making
• Conflict Management
• Negotiation
• Financial and Numerical
• Project Management
• People Management
• Executive Presentation

Behavioural Qualities

• Team player
• Analytical
• Organised and methodical
• Operationally astute
• Proactive