Senior Manager: Portfolio Management and Optimisation at MTN

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

• Contribute to the creation of the functional strategy in line with the overarching business goals
• Ensure effective implementation of the strategy by means of providing direction, structure, frameworks, models, plans and roadmaps
• Cascade and communicate overall Strategy and Business Plan
• Translate the Portfolio Management strategy into operational initiatives and plans and drive execution
• Define detailed Portfolio Management plans for various digital products and services.

Operational Delivery

Product Portfolio (Asset Management/ Commercial Portfolio & loans)

• Oversee and review on the deal pipeline for BankTech, managing the different categories and geographies as a portfolio to maximize the performance of the portfolio
• Accountable for the portfolio implementation to increase BankTech revenue and market share
• Ensure continuous improvement and optimization of the product portfolio and provide recommendations to the Product teams
• Actively contribute to development of value propositions including issuing, acquiring, new product propositions.
• Collaborate with other product teams and leading partners
• Engage with Opcos to drive product uptake and monitor product propensity & uptake across various markets
• Support Product & Commercial teams to develop commercial proposition including pricing, incentive and contract structure to increase sales, speed of service and reduce cost
• Review and report on portfolio risks
• Provide subject matter expertise on strategic M&A and JV deals in line with the portfolio strategy
• Review and monitor the risk of the portfolio to ensure the integrity of the ecosystem
• Review proposed changes and enhancements to the lending/advance policies and procedures
• Monitor and Review areas of concerns pertaining to credit risks & loans
• Monitor financial statement exception reports
• Monitor activity on delinquent accounts at the various intervals

Project Portfolio Management

• Review project proposals or plans to determine time frames, limitations, procedures for accomplishing projects, staffing requirements, and allotment of available resources to various phases of projects for group and opco synergy
• Confer with project team(s) to outline workplan and to assign duties, responsibilities, and scope of authority
• Assess and prioritise financial and delivery risks across Product Portfolios
• Review and submit weekly, monthly, and annual project status reports for management
• Confer with project team(s) to provide technical advice and to resolve problems
• Oversee the end to end onboarding of third-party vendors responsible for project delivery
• Review projects risks, probability, and impact and develop contingency plans to monitor and manage risks

Governance

Operational, Tactical and Strategic Meetings

• Participate in strategic meetings, ensure relevant participation, and provide guidance and input in the various discussions. Solicit feedback and input from relevant project/programme managers and opco Finco.
• Drive adequate risk mitigation and controls and elicit inputs from relevant parties
• Request relevant budget for internal projects
• Prepare proposal on change initiatives, policies, and procedures

Escalations

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

Tactical

• Review and finalise objectives, targets, and budgets as applicable
• Review key risks, issues and dependencies and set mitigation actions
• Develop and manage budgets
• Facilitate sign-off / make decisions regarding tactical changes

Performance

• Monitor performance and alignment with the Portfolio Management strategy
• Ensure alignment between other functions within Group Finco teams

Reporting

• Report monthly to General Manager relating to progress made from both project, implementation, and performances perspectives
• Report on an ad-hoc basis on specific management requirements as and when necessary

Managerial/Supervisory Responsibility

• Continually develop a culture of strong collaboration and effective team working
• Provide guidance and leadership ensuring future focus and current efficiency
• Coach and mentor direct reports to ensure staff motivation is high
• Ensure adequate succession planning & that succession plans are achieved
• Set KPIs and provide regular performance feedback through a well-defined and implemented performance review program
• Ensure the effective management of diversity among personnel in the division
• Identify staff training and development needs and implement necessary actions
• Manage team (including recruitment, on boarding, attrition)
• Recruit and build a world class team
• Set goals and objectives for direct reports, monitor progress, and maintain motivation
• Set up appropriate structure to meet departmental management objectives

Education:

• Minimum of 4-year tertiary degree in Financial, Commerce, Statistical, Credit Risk Management or related field
• Master’s Degree in a Financial, Commerce, Statistical, Credit Risk Management or related field (preferred)
• Postgraduate qualification/ Certification in Credit Risk Management (advantageous)

Experience:

• Manager track record of 4 years or more
• At least 3 years’ experience in in Commercial/Financial/Lending Portfolio Management in a scalable/large scale Financial Services and/or Consumer Finance multi-country environment
• Minimum of 7 years of experience in Financial Services, consulting, strategy, analytics, engineering, or related industry
• Experience in defining and project managing the technical and business implementation of portfolio strategies within a FinServ/FinTech environment
• Experience in B2C financial products with a broad range of products offered (secured, unsecured) and/or experience with rating agencies with knowledge across various financial products
• Experience in leveraging traditionally unconventional data and insights to deploy and optimize multi-territory/multi-product credit risk strategies via mobile/telco channels
• Deep understanding of the digital banking ecosystem, players, business models and industry related best practices
• Prior experience Financial Services preferred
• Experience in ecommerce and electronic payment business is advantageous
• Entrepreneurial spirit, self-driven and ability to motivate a fast-paced team
• Worked across diverse cultures and geographies
• Pan Africa multi-cultural experience is advantageous

Competencies:

Functional Knowledge:

• Understanding of FinTech, banking, microfinance and payment businesses
• Portfolio Management
• Asset & Product Portfolio Management
• Credit Risk Portfolio management
• Project and Programme Management
• Digital product management
• Understanding of the regulation environment
• Expert knowledge on Deep Learning and its applications
• 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
• Adaptable
• Complete candour
• Culturally aware
• Emotional Maturity
• Innovation
• Integrity
• Leadership
• Team Player