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MTN Group Limited entered the telecommunications scene at the dawn of South Africa’s democracy, in 1994. In 1998, we began our expansion by acquiring licences in Rwanda, Uganda and Swaziland. Since then, we continued to grow, with a view of bringing world-class telecommunications and digital services to markets across Africa and the Middle East. Throug...
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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 strategy into operational initiatives and plans and drive execution
- Define detailed plans for various FSPs
Operational Delivery
- Work closely with Product, Credit Risk, Portfolio Management, Finance, Legal & Technology teams to ensure successful onboarding of FSPs
- Contribute to the identification of pain points and opportunities within the value & services proposition to different partner types
- Launch and implement programmatic processes for FSP deals that result in net new revenue for BankTech
- Oversee and review the commercial P&L and performance of the product portfolio for BankTech
- Support Product & Commercial teams to develop commercial proposition including pricing, incentive and contract structure to increase sales, speed of service and reduce cost
- Track and monitor commercial metrics for BankTech products
- Responsible for the end to end onboarding of FSPs and all relationship and commercial matters where it relates to the IFC, where applicable
- Collaborate with relevant functions for due diligence of FSP partnerships
- Manage the query and dispute resolution lifecycle with FSPs
- Collaborate with legal teams and lead the contracting process with the FSPs
- Review contractual and revenue share agreements with the FSPs and liaise with relevant business stakeholders for approvals
- Enable and ensure support from Technical teams are provided to the FSP for technical integrations and API management requests
- Escalate integration issues and drive collective workaround & solutions
- Track FSP delivery performance in line with agreed SLAs and contractual obligations
- Maintain all relevant delivery documentation including project scope, project plans, timelines etc
- Develop key financial metrics and track Product portfolio, OpCo and related FSP performance on those, interacting with the wider BankTech team, OpCos and / our FSP partners to highlight red flags as required
- Create periodic reports to present to management, highlighting performance levels, SLA compliance and flag roadblocks, if any
- Review FSP relationship risks and impact and develop contingency plans to monitor and manage risks
- Manage historical data and BI in order to make informed decisions during FSP selection & contract renewals
- Maintain a solution-focused mind set and identify opportunities for improvement in the management of FSPs
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 strategy
- Ensure alignment between other functions within Group Finco teams
Reporting
- Report monthly to Executive 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
Job Requirements (Education, Experience and Competencies)
Education:
- Minimum of 4-year tertiary degree in Finance, Commerce, Business Management or related field
- MBA or Master’s Degree in Business Management (advantageous)
Experience:
- Manager track record of 4 years or more
- At least 3 years’ experience in in Commercial/Financial Relationship Management or Client 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 onboarding and management of FSPs / funding partners
- Experience in B2C and B2B financial products with a broad range of products offered (secured, unsecured) and/or experience with rating agencies with knowledge across various financial products
- Deep understanding of the digital banking ecosystem, players, business models and industry related best practices
- 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
- Client Management
- Relationship / Account Management
- Portfolio Management
- Credit Risk Management
- Project and Programme Management
- Contract Management
- Fintech Products & Services
- FSP requirements
- Governance & Compliance
- Risk Management
Skills
- Business Acumen
- Decision Making
- Conflict Management
- Negotiation
- Analytics and Interpretation
- Strategic Thinking
- Organizational Agility
- Digital mind-set
- Dealing with ambiguity and complexity
- Financial and Numerical
- Project Management
- People Management
- Executive Presentation
Behavioural Qualities
- Adaptable
- Complete candour
- Culturally aware
- Emotional Maturity
- Innovation
- Integrity
- Leadership
- Team Player
go to method of application »
Key Performance Areas: Core, essential responsibilities / outputs of the position (KPA's)
Strategy Development and Implementation
- Contribute to the technology standardization across the Finco Opcos to support BankTech roadmap
- Lead cross functional projects across Finco Opcos by piloting, launching, replicating and scaling new global initiatives
- Implementation of functionalities across Finco Opcos to continuously improve the existing capabilities
- Risk assessment and contingency planning for all projects under their responsibility
- Uses established project management methods to break down the project into a series of manageable stages and monitor its progress, for on time delivery
- 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
- Develop 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
- Ensure effective project governance and project prioritization.
- Act as liaison among project consultants, project vendors, and project users to provide advice; resolve conflicts; interpret processes; and negotiate resolutions where no specific guidelines exist.
- 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
- Prepare status reports and modify schedules or plans as required
- Deliver weekly, monthly, and annual project status reports for the Project Manager
- Analyse and evaluate current work processes with the Project Manager and recommend changes to achieve efficiencies using best in class practices
- Support Opcos in implementing new BankTech products and services, resulting in an optimal value proposition
- Keeps Opco Finco heads and the Finco management informed of all aspects of the project and ensure that milestones and deadlines are met and that any conflicts and problems are identified early enough, so not to jeopardize project.
- Plan and co-ordinate activities, addressing scope or budget issues and ensuring the allocation of enough resources for project success.
- Coordinate end to end onboarding of all FinTech third party vendors responsible for project delivery
- Document best practices and lessons learned (heuristics) to inform future executions.
- Identify all realistic project risks, analyse probability, and impact and develop contingency plans to monitor and manage risks.
- Assist with preparation of project URS’s/ BRS and User Stories for Opco dissemination
Governance
Operational, Tactical and Strategic Meetings
- Set up / participate in planned and adhoc project meetings
- Perform evaluation baseline of key project constraints
- Provide input in strategic meetings when required
- Provide inputs into the risk mitigation and controls
Escalations
- Manage and resolve escalations that have impact on critical path of project delivery
- Escalate issues that will result in severe time, scope, productivity, and cost or resource or reputational impact
- Manage and provide solutions through stakeholder consultation where relevant
Function Tactical
- Provide input into all projects initiated
- 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
Performance
- Continuously review projects implementation performance, alignment to the business objectives while cognizant of the execution constraints.
- Develop and maintain cordial relationships with all project sponsors, product managers, vendors and the individual Opco Project Managers for continuous buy-in, support to achieve sustained performance
Reporting
- Report on various aspects of projects progress as required by BankTech PMO.
- Report on an ad hoc basis on specific facets of projects, as required
Budgets
- Support Senior Manager in tracking project costs in line with approved budgets to deliver business objectives
Job Requirements (Education, Experience and Competencies)
Education:
- Minimum 4-year Technical, Project Management (or related) Degree
- MBA or a master’s in project management an advantage
- PMP Certification (or equivalent) advantageous
Experience:
- 5 or more years of relevant work experience in program / project management within banking, finance and/or telecommunications industry
- At least 3 years’ experience within a non-traditional FinTech or Financial Services company
- Experience at the management level in the financial sector
- Hands on experience in managing, leading and implementing innovative digital products and initiatives
- Experience in defining and project managing operational implementation of digital products, services and systems
- Experience in data analysis and management, business performance management and/or reporting within the financial sector or banking industry
- 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
Competencies:
Functional Knowledge:
- Understanding of FinTech, banking, microfinance and payment businesses
- Project and Programme Management
- PMO frameworks (PMI, PMBOK, etc.)
- Project systems, software and tools
- Agile frameworks and methodologies
- Capital planning and investment assessment
- Cost-benefit analysis
- Project resource, budget, performance and quality management, and reporting
- Project risk & issue management
- Strategic governance process, project planning and control processes
- Industry and marketplace legal and regulatory appreciation
- Business process reengineering
- Business change management
- Strong business, operational and product knowledge, specifically relating to being innovative and “out of the box” in aligning “fit for purpose” products for the African market
Skills
- Strong written and communication skills
- Confident and assertive with a positive attitude
- Customer Centric
- Analytics and Interpretation
- Strategic Thinking
- Organizational Agility
- Digital mind-set
- Dealing with ambiguity and complexity
- Decision Making
- Conflict Management
- Numerical
- Project Management
- People Management
- Executive Presentation
- Behavioural Qualities
- Analytical
- Organised and methodical
- Operationally astute
- Proactive
- Detail-oriented
- Driven
- Results-oriented
- Team player
go to method of application »
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
go to method of application »
Key Performance Areas: Core, essential responsibilities / outputs of the position (KPA's)
Strategy Development and Implementation
- Lead the creation of credit risk strategies in line with the overarching business goals, while also relying strongly on team collaboration
- Be able to structure MVP approaches to credit strategy in a flexible and agile way, balancing gaining market footprint with profitability and sustainability.
- Ensure effective implementation of the strategy by means of providing direction, structure, frameworks, models, plans and roadmaps
- Present and communicate overall Strategy and Business Plan
- Translate the credit risk strategy into operational initiatives and plans and drive execution
- Define detailed product-specific credit risk plans.
- Estimate the cash consumption of any additions / changes to credit strategies, and manage disbursements and policy accordingly
Operational Delivery
- Ensure that Finco generates revenues on its credit products.
- Support Opco in developing go to market product strategies and drive revenue, value propositions and usages with regards to the product
- Oversee the income estimation / affordability models/methodologies (customer & product level)
- Ensure implementation of credit risk policies and defining exposure limit management in line with empirical models & risk appetite (customer & product)
- Manage & Identify inherent credit risk associated with the products and processes through various types of Analysis (net flow/static pool) and assess / forecast financial impact through credit costs and work with business functions to mitigate credit risk- through policy, process and technology
- Development and the performance management 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
- Lead 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.
- 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
- Review performance management reports on key credit risk policies, strategies, and scorecards and KPIs
- Ensure implementation of credit risk strategies are effective to minimise bad debt provisions, bad debt write off and customer churn. Ensure alignment with Decision Science in the definition, development, and evolution of Digital Banking prediction capability, and the optimisation thereof
- Ensure alignment with Product Management from a risk-based pricing and portfolio optimisation perspective – ensuring alignment to business strategy, profitability, and continuous credit risk management capability improvement
- Ensure alignment with Product Development and Finance to ensure “fit for purpose” strategies and policies are developed to support the product roadmap
- Review and report the Credit Losses and Portfolio Quality with detailed analysis to prevent/reduce any credit losses and appropriate control measures to the GM: Credit Risk and if required Risk Management Committee
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 legal and finance teams.
- 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
- Craft all projects initiated (internal or global)
- Review and finalise objectives, targets, and budgets for the Credit Risk as applicable
- Review key risks, issues and dependencies and set mitigation actions
- Facilitate decisions regarding tactical changes
Performance
- Monitor performance and alignment with overall Credit Risk strategy
- Ensure alignment between other functions within Group Finco teams
Reporting
- Report monthly to the Credit Risk General Manager relating to progress made in accordance with the delivery of the product service roadmap from both project, implementation, and performances perspectives
- Report on an ad-hoc basis on specific management requirements as and when necessary
Budgets
- Manage functional budgets in line with overall budget and business objectives
- Managing project initiative budgets in line with business objectives
- Support the reduction of cost of operations, in line with a least cost operating strategy stemming from the business drivers
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 MoMo Advance team
- Set goals and objectives for direct reports, monitor progress, and maintain motivation
- Set up appropriate structure to meet departmental management objectives
Job Requirements (Education, Experience and Competencies)
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 defining and project managing the technical and business implementation of credit risk strategies within a FinServ/FinTech environment
- Minimum of 7 years of experience in Financial services, consulting, strategy, analytics, engineering, or related industry
- Significant experience in defining, developing, and deploying credit risk & collections (credit life cycle) strategies in a scalable/large scale Financial Services and/or Consumer Finance multi-country environment
- Experience in leveraging traditionally unconventional data and insights to deploy and optimize multi-territory/multi-product credit risk strategies via mobile/telco channels (preferred)
- Deep understanding of the digital banking ecosystem, players, business models and industry related best practices
- 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:
- 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
- Expert knowledge on Deep Learning and its applications
- Strong credit risk, fraud and collections knowledge
- SQL, SAS, Python, or other data analytics/data science languages
- An understanding of machine learning and predictive modelling (preferred)
- 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
- Adaptable
- Analytical
- Results-orientated
- Complete candour
- Culturally aware
- Emotional Maturity
- Innovation
- Integrity
- Leadership
go to method of application »
Key Performance Areas: Core, essential responsibilities / outputs of the position (KPA's)
Strategy Development and Implementation
- Lead the creation of the BankTech Fraud Detection & Prevention 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 Detection & Prevention strategy into operational initiatives and plans and drive execution
- Define detailed Fraud detection & prevention plans for various digital products and services.
Operational Delivery
- Develop and ensure implementation of fraud detection and prevention operational frameworks, aligned to overall fraud risk strategy in collaboration with AML, Risk and Internal Audit teams
- Oversee and review testing on the design and effectiveness of BankTech internal controls, systems and processes for fraud detection and prevention
- Develop and ensure implementation of fraud investigation frameworks, monitoring and mitigation policies in collaboration with AML, Risk and Internal Audit teams
- Develop and review fraud analysis models to improve efficiency and effectiveness of BankTech systems
- Develop and ensure implementation of anti-fraud processes for changing transaction patterns and trends
- Review residual risk and create revenue leakage action planning
- Agree action plan on unmitigated risk with product and other AML, Risk and Internal Audit teams
- Review residual risk and create revenue leakage action planning
- Determine action plan on unmitigated risk with product and other risk teams
- Define industry leading prevention strategies and policies
- Review and conduct root cause analysis & resolution
- Create a risk tracker for Fraud, ensuring this is embedded into Fraud team and reviewed with updates/progress on at monthly team meetings and board meetings
- Provide accurate leakage quantification and reporting
- Ensure updated classification & resolution of revenue leakage risk
- Improve revenues and profitability through proactive identification of potential revenue leakage risk and emerging risk
- Ensure that processes, control requirements and risk management frameworks that impact BankTech are documented
- Review Primary & Secondary controls for efficiency & effectiveness
- Ensure adequate internal controls are implemented and are functioning effectively throughout the organization, in line with Internal Financial Control requirements, to safeguard financial performance of the Group
- Identify and share fraud best practice across in country fraud teams to improve fraud management capability, driving consistency and re-use wherever possible
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 other fraud team across Group 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
- Craft all projects initiated (internal or global)
- Review and finalise objectives, targets, and budgets for the BankTech Fraud Function 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 overall BankTech strategy
- Ensure alignment between other functions within Group Finco teams
Reporting
- Report monthly to the BankTech Executive relating to progress made in accordance with the delivery of the Fraud Detection & Prevention roadmap from both project, implementation, and performances perspectives
- Report on an ad-hoc basis on specific management requirements as and when necessary
Budgets
- Manage functional budgets in line with overall budget and business objectives
- Managing project initiative budgets in line with business objectives
- Support the reduction of cost of operations, in line with a least cost operating strategy stemming from the business drivers
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 Fraud Detection & Prevention team
- Set goals and objectives for direct reports, monitor progress, and maintain motivation
- Set up appropriate structure to meet departmental management objectives
Job Requirements (Education, Experience and Competencies)
Education:
- Minimum of 4 year tertiary degree in Business Administration, Information Technology, Engineering or related field
- CISSP/CISM/CEH CRISC certification
- MBA or Masters (advantageous)
Experience:
- Manager track record of 4 years or more
- At least 3 years’ experience in a Financial /Banking Fraud 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
- Knowledge of case investigations, fraud risk controls, regulatory requirements and the market practices
- Experience in leveraging traditionally unconventional data and insights to deploy and optimize multi-territory/multi-product fraud management strategies (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
- Fraud Analysis
- Fraud Investigation
- Financial data analysis
- Fraud systems & tools
- Data interpretation
- Suspicious Transactions Analysis
- Audit Sampling & Analysis
- Report writing & presentation
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
go to method of application »
The Manager Digital Transformation will be responsible for the following:
Strategy Development and Implementation
- Work with the SM: Digital transformation to support the creation of sub-divisional strategy related to Digital Transformation (consumer focussed) in line with overarching divisional goals (and overarching Group Digital Transformation programme) with emphasis on client experience (internal and external)
- Ensure effective implementation of sub-divisional strategy by:
- providing clear guidance, direction and support to necessary digital transformation stakeholders across operating companies and Group functions
- developing and managing programmes and associated ideal structures to drive expeditious and high-quality implementation of digital transformation initiatives, development of business plans, execution milestones (quantitative and qualitative) and key performance indicators to determine the maturity and progress of digital transformation efforts
- Continuous collaboration to drive Digital Transformation across systems, process and culture
- Monitoring and evaluation of efforts for discussion and presentation at senior executive leadership level
- Thought leadership: Bring new ideas and thought leadership to the table, in parallel the day-to-day activities.
- Support in driving customer experience transformation using technology within the Group in line with overarching divisional goals. This relates to the digital transformation of both sales and customer service, with a focus on improving customer experience, and operational metrics based on digital transformation efficient. Examples of such programmes include execution of Chatbots servicing initiatives, news sales channel establishment such as integrating sales opportunities with social media partners etc.
- Development and implementation and business value realisation of the Customer Experience Management (CEM), Omnichannel and chatbots and virtual assistance technologies and related project management.
- Technology roadmap drafted together with group technology to support consumer initiatives.
- Business driven customer centric solution by overseeing the rollout of technologies that will help improve the customer experience of the network and brand, the transformation of the contact centre into a digital interaction centre, the transformation of customer experiences through mobility and the use of analytics.
- Supports projects that incorporate a proactive and innovative solution to addressing business challenges and achieving organizational goals and objectives.
- Integrates how the big picture of the initiatives comes together from definition through implementation on implications across the business
- Supports initiative teams with skills in process excellence, project management, facilitation, problem-solving, accelerating transformation and value creation to drive toward required outcomes. Surfaces capacity, pacing, resourcing issues and any other red flag issues needing leadership attention.
- Ensure active stakeholder engagement and communications. Ensures timelines are adhered to for initiatives by keeping executives aware of any red flags concerning the timing or integration process
- Provide a governance structure to projects. The role ensures accountability and enables the predictability of the outcomes of each transformation initiative.
- Work collaboratively across all parts of MTN Group teams.
- Build and sustain commitment to long-term goals across multiple teams and drive people advocacy trust, confidence, and integrity to inspire enthusiasm for achieving success.
- Analyzing business requirements, assessing the impact of technical innovations, and ensuring said requirements are put in place in association with relevant stakeholders.
- Drawing up technology roadmap concerning business requirements, and providing technical capabilities are up to the task of supporting business initiatives.
- Support the S&D, GVP, CVM and Customer Experience function concerning new enhancements in existing technology and tools.
Key Performance Indicators include the following:
- Digital Platforms: Platform pilot and rollout, Engagement rate, improvement in operational service metrics and improvement in digital channel sales metrics
- Customer adoption on the platform.
- Customer sales on the platform.
- Customer experience management:
- Platform implementation and adoption
- Customer NPS
- Churn reduction
Job Requirements
Education
- Bachelor’s Degree in Engineering/IT or related field
- English, French, and Arabic (as advantage)
Experience:
- Experience with digital transformation programmes (strategy and execution)
- Experience in telecommunications industry is beneficial
- 3 – 5 years of relevant work experience in a global / multinational business environment (understanding of emerging markets advantageous)
- 1 – 2 years of experience in a supervisory / managerial role
- 3+ years of experience in ecommerce and online and digital channels
- 3+ years in a customer experience management role
- Experience working closely with senior leadership
- Experience in leading change / transformation (marketing) at an operational level advantageous
- Relevant work experience in a global / multinational business environment (understanding of emerging markets advantageous)
- Design thinking training (advantageous)
- Demonstrated experience leading cross-functional teams and initiatives in a large corporation
- Advanced understanding current technology trends and consumer behaviour
- Strong analytical skills with an ability to translate data into action
- Experience working in an Agile / Scrum methodology
Competencies:
- Business Acumen, Problem Solving, Information processing
- Data interpretation, Judgement, Continuous improvement, Reporting
- Get it done, Communication, Innovative, Agile, Accountable
- Change management
- Complex structures
- Decision making processes
- Information processing
- Project management
- Relationship management
- Risk management
- Stakeholder management
- Telecommunications industry
- Ability to present complex information to a variety of audiences
- Familiarity with traditional and modern training methods, tools, and techniques
- Ability to conduct cost-benefit analysis and calculate training ROI
Method of Application
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