Manager, Credit Portfolio – Unsecured Lending at Standard Bank Group

Job Description

• To ensure that the allocated portfolio’s perform within risk appetite, budgets are set appropriately and that strategic portfolio decisions are optimised. Support in managing rolling forecasts. Setting of risk appetite for Unsecured Lending to ensure we remain within triggers agreed and monitored by portfolio management. Support specific book growth initiatives.
• To ensure the provision of effective credit reporting, insights and analytics for an allocated portfolio across multiple products and the credit life-cycle originations and account management in order to inform business decision making and relevant credit strategy. Work closely with the decisioning teams to identify any areas for improvement in the quality of business written, account management etc. Implement System and Process change to assist implementation of strategy . Provide support to improve automated decisioning by doing post implementation monitoring, ongoing monitoring to prompt strategy reviews if population/performance shift etc. Support product areas with product specific rules, system fixes etc . To drive the automation of relevant production reports.To design and enhance originations and account management strategies to manage the portfolio. Engages with relevant stakeholders when Scorecard driven new strategy (origination and account management).

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Mathematical Sciences / IT /Computer Sciences

Experience Required

• Credit Risk – BCB
• Risk & Corporate Affairs
• More than 5 to 8 years
• Experience in analytical work (ideally in Credit Risk).  Experience in managing a credit portfolio; managing credit risk.  Understanding of the credit value chain. 

Additional Information

Behavioral Competencies:

• Articulating Information
• Analysing Solutions
• Examining Information
• Exploring Possibilities
• Interpreting Data
• Making Decisions

Technical Competencies:

• Coaching and Mentoring
• Evaluating Risk Management Effectiveness
• Performance Management
• Risk/ Reward Thinking
• Statistical & Mathematical Analysis
• Strategic Planning and Reporting