Senior Manager: Strategic Portfolio Management and Special Projects at IDC

QUALIFICATIONS AND EXPERIENCE

• Honours degree in Risk Management, Finance, Economics, or a related field, CA or equivalent post-graduate qualifications.
• 8 -10 years’ relevant experience in Credit Risk/Finance/Investment Banking in a financial institution.
• Portfolio management experience
• Experience in credit portfolio oversight, stress testing and enterprise analytics.
• Deep understanding of credit risk frameworks, exposure management, and provisioning.
• Strong knowledge of Basel risk principles, stress testing methodologies, and capital planning.
• Proficiency in risk analytics tools, credit models, and enterprise risk platforms.
• Ability to translate complex risk data into strategic insights for senior leadership.
• Knowledge and understanding of credit risk and any associated risks prevalent in the financing of transactions/projects will be an advantage.
• Excellent analytical, verbal, and written communication skills.

Roles and Responsibilities

• Design and implement a comprehensive framework for managing credit and portfolio risks, aligned with risk appetite and strategic objectives.
• Produce trend analysis reports, sector risk reviews, and run sensitivity analyses/stress-tests for concentrations and deviations to expected performance, recommending strategies to keep the risk within acceptable levels.
• Proactively identify emerging risks and credit trends that may impact the portfolio, including sectoral, regional, or single borrower-specific vulnerabilities.
• Monitor and report on the performance against the Board-approved risk appetite levels and thresholds.
• Monitor portfolio quality, credit exposures, and sectoral/geographic concentrations.
• Monitor trends and shifts in internal risk grades (IRG’s) and produce summary reports that provide insight as to whether rating standards, protocols, and policies are consistently applied across portfolios and sectors to support the enhancement of credit risk rating systems and frameworks, thereby improving portfolio risk sensitivity and credit loss forecasting.
• Design and implement robust credit stress testing and scenario analysis frameworks.
• Conduct stress testing of the book against approved and emerging risk parameters in collaboration with the Quantitative Modeling team and input the results into the analysis of the adequacy of capital and provisions, as well as the generation of sector/industry risk positions.
• Integrate sectoral, regional, and borrower-level data to model the impact of adverse scenarios on credit quality and capital adequacy.
• Collaborate with credit analysts and economists from R&I to refine scenario assumptions and both forecast and calibrate risk parameters.
• Involvement in policy formulation and policy review across a range of risk management disciplines.
• Development of credit risk systems and procedures, ensuring that these are well-suited to support the corporation’s business strategies.
• Lead integrated risk planning processes that link credit and portfolio risk insights to business planning, capital allocation, and strategic initiatives.
• Conduct portfolio risk-adjusted return analysis to inform resource/capital deployment and funding decisions.
• Deliver credit risk reports that are comprehensive, timely, and provide actionable insights for decision-making.
• Translate technical credit analytics into digestible content for non-technical audiences, including developmental risk considerations.
• Drive the integration of tools with core systems (e.g. credit risk, loan monitoring, financial reporting platforms).
• Improve Active Credit Portfolio Management (ACPM) techniques such as exposure aggregation, limit optimization, and early warning systems.
• Enhance institutional capabilities in credit risk modeling, loss forecasting, and data-driven decision-making.
• Provide advisory/support to Strategic Business Units (SBU’s) on Portfolio risk matters, sector/industry deep dives, and portfolio reviews.
• Performing ad hoc reporting and analyses to help address the real-time demands of the organisation
• Provide relevant and required information to present to lenders and rating agencies.

Drive the delivery of special projects (Risk Division Strategic Initiatives) for the Head of Department, which include but are not limited to;

• Risk-based Capital Allocation, including the development of a framework for capital allocation.
• Balance Sheet and Capital optimisation.
• Rating and Pricing.