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  • Posted: Nov 20, 2023
    Deadline: Not specified
  • Never pay for any CBT, test or assessment as part of any recruitment process. When in doubt, contact us

    The Development Bank of Southern Africa ("DBSA”) is a development finance institution wholly owned by the South African Government. Its purpose is to accelerate sustainable socio-economic development to improve the quality of life of the people in South Africa, SADC and Rest of Africa by providing financial and non-financial investments in the social a...
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    Principal: Credit & Market Risk Monitoring


    Key Responsibilities

    Credit Risk Monitoring Function

    • In collaboration with the GM: Risk and the Chief Risk Officer, set the strategic direction for the DBSA approach to credit risk.
    • Assist in the facilitation of capacity and systems throughout the DBSA to identify risk at source, in particular for the measurement and management of credit and investment risk
    • Assist in developing and implementing policies and strategies for managing risk across DBSA lending and investment portfolios.
    • Providing independent oversight of credit function within the Financing Operations area
    • Ownership and monitoring of prudential risk measures Risk KRI's
    • Market Risk Monitoring Function
    • Assist the GM: Risk and GM: Treasury in setting the strategic direction for the DBSA's approach to market risk
    • Assist in the facilitation of capacity and systems throughout the DBSA to identify risk at source, in particular for the measurement and management of market risk
    • Assist in developing and implementing policies and strategies for managing market risk with the DBSA

    Ensure management of credit risk by:

    • Developing and maintaining frameworks and processes for lending and credit approval
    • Managing and control of the organisational risk appetite process
    • Monitoring credit risks at an enterprise wide level including counterparty risks, sector risks, default risk and concentration risk
    • Developing, monitoring and reviewing credit and investment risk policies
    • Contributing tthe development, monitoring and reviewing of the risk appetite statement for DBSA
    • Reporting on credit and investment risk exposures tthe Chief Risk Officer, EXCO, CEand Board
    • Unblocking any issues/roadblocks that rise between Lending and Risk; escalating tthe GM: Risk and Chief Risk Officer if necessary
    • Managing Investment Committee meetings and processes
    • Performing a key analytical role in the assessment of the adequacy of provisions proposed by management

    Ensure management of market risk by:

    • Developing, monitoring and reviewing market risk policies
    • Reporting on counterparty credit risk exposures to the ALCO, IC and Board
    • Unblocking any issues/roadblocks that rise between Treasury and Risk
    • Being a member of both the Operational ALCO and Strategic ALCO
    • Providing independent oversight over market risk management within the Treasury Function of the Bank
    • Treasury Risk MIS
    • Credit Management of market risk counterparties
    • Market Risk Reporting
    • Independent monitoring & escalation

    Management Function

    • Serve as a member of ALCO and Investment Committee; and any other risk committees where risk input is required
    • Provide direction and management to the direct reports to ensure they execute the cluster strategy and manage their portfolios effectively
    • Ensure that there are sufficient execution capabilities within the Cluster through mentoring and escalation
    • Prepare appropriate reports for CRO, ALCO, IC, BCIC and ARC for information and decision making purposes
    • Entrench the practice of effective Performance Management
    • Accountable for Risk policy management

    Key Measures

    • Performance against agreed Risk targets
    • Management of performance outputs of staff using the performance management system and taking corrective action promptly and effectively
    • Management of Client Relationships and key Stakeholders
    • Management of Cluster Budget including operational expenses
    • Reporting effectiveness and process efficiency measures
    • MIS Reporting

    Expertise & Technical Competencies

    • Minimum relevant Post-Graduate qualification or equivalent
    • Minimum 8 years experience in the Credit & Market Risk Monnitoring environment
    • Ability to understand and interpret corporate vision and strategy
    • Strong credit and liquidity risks understanding
    • Deep understanding of impact of external factors (e.g. economy) on risk of DBSA portfolio and potential deals
    • Deep understanding of South African and other relevant regulations
    • Ability to create effective and practicable frameworks
    • Understanding of key financial markets
    • Knowledge of market risk dynamics
    • Understanding of competitors' offerings
    • Strong management skills at a Senior Management level
    • Ability to conduct assessments and organisational impacts
    • Problem solving and risk solutioning
    • Understanding of transactions structuring and risk assessment thereof




    • Understands and can apply basic negotiating skills and techniques, e.g. obtaining a full understanding of the other party's agenda and needs before disclosing own perspectives.
    • Possesses an understanding of various unspoken communications from other parties and can decipher hidden agendas
    • Is able to successfully conclude negotiations which require the development of an emotional as well as factual argument
    • Is able to develop mutually-beneficial potential solutions

    Financial Analysis

    • Interprets, analyzes and/or evaluates compliance with applicable legislation, sound regulatory practices and procedures, generally accepted accounting principles, and other such rules and regulations.
    • Analyzes or interprets financial records and develops program procedures, financial models and databases.
    • Demonstrates a thorough knowledge and understanding of applicable regulations, rules, entity/company practices, concepts, and industry issues.
    • Demonstrates a thorough knowledge or experience working with legal and regulatory issues in their subject area
    • Develops and maintains effective working relationships with regulated industries, government officials, administrators, and civic leaders.

    Financial Acumen

    • Makes sound financiadecisions after having analysed their impacts on the organisation, partner agencies, and community.
    • Effectively prepares budgetary submissions and forecasts for own department.
    • Knows the internal and external factors that impact on resource and asset availability.
    • Is able to interpret management account reports in an operational/commercial context and take action as appropriate to maximize revenues and control costs.

    Business Acumen

    • Thinks and plans in future-oriented terms.
    • Develops annual business plans that take into account longer-term activities, issues, problems or opportunities.
    • Develops and establishes broad scale, longer-term objectives, goals or projects (e.g., affecting a business, department, or organisation).

    Commercial Business Acumen

    • Is capable of analysing commercial situations, developing options and making recommendations
    • Monitors the economic environment and continuously seeks opportunities for economic policy and legislation improvement to ensure ease of doing business in South Africa.
    • Actively monitors the South African business environment to ensure promotion of fair competition, the protection of consumer interests, effective trade and investment, etc.
    • Understands South African business community issues/challenges and can build win-win relationships with them
    • Envisions, creates and facilitates connections to develop and enhance partnerships, alliances and networks that advance shared interest

    Method of Application

    Interested and qualified? Go to Development Bank of Southern Africa (DBSA) on to apply

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