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  • Posted: Jun 7, 2022
    Deadline: Not specified
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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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    General Manager: Credit Risk

    Mission/ Core purpose of the Job

    The General Manager: Credit Risk is responsible for defining and developing the FinTech Credit Risk strategy and business plan, in line with the overall Finco strategy, for the effective execution across Finco. The General Manager is responsible for, and takes ownership of, the development, deployment and management of the credit risk profiles (acquisition and account management), fraud management & collections strategies relating to an evolving suite of digital banking Asset products and services across the Group Finco landscape.

    The GM is also responsible to oversee and review the design, development and implementation of the Fraud Detection & Prevention strategy, policy, risk, standards, prevention and detective controls for BankTech product and services

    This role is responsible to oversee and manage the following credit profiles in Finco:

    • MoMo Advance
    • Agent and Merchant Advance
    • Airtime Advance
    • Bullet loans
    • Fraud Management

    As part of the leadership team, the General Manager is responsible to contribute to  BankTech’s overall strategic goals, to achieve profitable growth, and to continuously improve the operations performance.

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

    Strategy Development and Implementation

    • Provide input into the BankTech strategy in line with the overarching business goals, ensuring that Finco maintains and improves its leadership positioning
    • Define the overall BankTech Credit Risk strategy and business planning for the team
    • Ensure the effective execution of the strategy by means of providing direction, structure, frameworks, models, plans and roadmaps, aligned to group strategy and frameworks, implementing to OpCos
    • Drive the effective cascading of the overall business plan
    • Execute the Credit Risk strategy by driving customer awareness, engagement, experience and monetization
    • Provide input into the BankTech Business Plan and cascade this to OpCos
    • Drive product revenue and growth, operational excellent and customer satisfaction

    Staff & Leadership Management

    • Build and manage a high performing team by providing leadership, role clarity, training and career development
    • Build and manage a high-performance team
    • Continually develop a culture of strong collaboration and effective team working
    • Ensure open communication channels with staff and implement change management interventions where necessary
    • Provide definition of roles, responsibilities, individual goals and performance objectives for the team
    • Set KPIs and provide regular performance feedback through a well-defined and implemented performance review program
    • Develop and implement a training plan in order to build and develop skills within the team
    • Encourage knowledge transfer through the implementation of a knowledge transfer plan and drive continuous improvement philosophy through the knowledge transfer plan
    • Performance manage resources in accordance with HR policy and legislation where necessary
    • Actively participate in leadership team and develop skills of own team
    • Promote a ‘Finco centric’ and ‘partnership approach’ to develop strong relationships with other working groups and ensure adherence to Group governance

    Operational Delivery

    Functional Leadership:

    • As the functional leader of the Credit Risk vertical, the General Manager is accountable to:
    • Establish, monitor and align the direction, strategy and results of the Credit Risk vertical collectively and as individual work areas
    • Lead and drive an integrated solution development and problem-solving philosophy within the function
    • Monitor true-value metrics to measure the impact and benefit of the function to Group Finco
    • Drive continuous improvement across the function

    Delivery Leadership:

    • As the delivery leader of the Credit Risk vertical, the General Manager is accountable for the following work area outcome
    • Lead the development & ensure implementation of credit risk management strategies across a multitude of geographies and products within geographies, including monitoring, managing and reporting on the portfolio performance thereof – in conjunction with other teams – Decision Science, Product Management, Finance, Marketing etc.
    • Ensure development of valuation frameworks and underwriting credit policies using NPV framework to optimise portfolio level economic returns
    • Oversee assessment of credit risk for all products and services, executing governance and controls
    • Oversee and drive identification of 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 of Credit / VaR / Portfolio Risk framework in accordance with regulatory guidelines and monitoring Credit / Portfolio Risk
    • Oversee performance management reporting on key credit risk policies, strategies, and scorecards and KPIs
    • Ensuring credit risk strategies are effective to minimise bad debt provisions, bad debt write off and customer churn
    • Hold regular governance meetings with key stakeholders to evaluate performance of credit risk strategies, providing insights and propose recommendations for group and opco
    • Oversee and review the design, development and implementation of the Fraud Detection & Prevention strategy, policy, risk, standards, prevention and detective controls over BankTech product and services
    • Oversee implementation of fraud detection and prevention operational frameworks, aligned to overall fraud risk strategy in collaboration with AML, Risk and Internal Audit teams
    • Oversee audit and review of third-party performance
    • Support the Fraud Function in development of the Fraud Management capability to support Group Finco against Fraud mitigation/risk
    • Support in building scalable and effective processes to help launch new categories of Lending and structured loan products
    • Determine credit risk policies and define exposure limit management in line with empirical models & risk appetite (customer & product)
    • Work closely with Executive teams and lending partners in managing Risk/Return of the portfolio, defaults & collections
    • Work alongside Finance to construct methodologies and capability to execute monthly empirically based Provisioning levels at a Product/Portfolio level
    • Collaborate with Product Development and Finance to ensure “fit for purpose” strategies and policies are developed to support the product roadmap
    • Collaborate with Product Management from a risk-based pricing and portfolio optimisation perspective
    • Review and report the Credit Losses and Portfolio Quality with detailed analysis to prevent/reduce any credit losses and appropriate control measures to the Risk Management Committee
    • Participate in Management discussions and bring in the credit / portfolio risk perspective to products, partnerships, legal, technology and new initiatives
    • Support Decision Science in the definition, development and evolution of Digital Banking prediction capability, and the optimisation
    • Drive continuous credit risk management capability improvement

    Governance

    • Operational, Tactical and Strategic Meetings
    • Hold strategic meetings, ensure relevant participation and provide guidance and support in the various discussions
    • Drive enterprise wide transformation initiatives, elicit inputs from relevant parties
    • Drive adequate risk mitigation and controls, and elicit inputs from relevant parties
    • Sign off approval on new initiatives
    • Provide relevant budget for internal projects
    • Prepare proposal on change initiatives, SLA policies and procedures

    Escalations

    • Resolve and provide guidance to escalations that have impact on critical path of service delivery
    • Resolve issues that will result in severe time, scope, productivity, and cost or resource or reputational impact

    Tactical

    • Review BankTech-related projects initiated (internal or global)
    • Review and finalise objectives, targets, and budgets for the BankTech Function as applicable
    • Review key risks, issues and dependencies and set mitigation actions
    • Sign-off / provide guidance on decisions regarding tactical changes

    Performance

    • Define the standards and set targets for performance across the sub-division and identify the parameters for measurement of performance
    • Responsible to drive revenue, this is one of the core revenue generators for the business
    • Monitor performance against business plans (i.e. business plan tracking) as well as alignment with MTN global strategy and industry best practices
    • Identify opportunities for improvement, and provide the necessary support to respective teams to take the corrective action needed to drive performance against business targets
    • Oversee business planning, forecasting and reforecasting

    Reporting

    • Report on a periodic basis to the BankTech Executive relating to progress made within the function and in accordance with the measurement metrics set by the organisation
    • Report on an ad hoc basis on specific projects, as required

    Budgets

    • Develop and manage the Credit Risk budget in line with business objectives
    • Develop and manage project initiative budgets in line with business objectives
    • Ensure that the “cost of operations” is reduced, in line with a least cost operating strategy stemming from the business drivers
    • Ensure delivery of revenue and growth targets
    • Managerial / Supervisory Responsibilities
    • 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

    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:

    • Minimum 10 years of relevant work experience with a Global Brand
    • A minimum of 4 years’ experience at a Senior position in Financial services, consulting, strategy, analytics, engineering, or related industry
    • Experience in 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 B2C products is mandatory, with a broad range of products offered (secured, unsecured) and/or experience with rating agencies with knowledge across various financial products
    • At least 3 to 5 years’ experience within a non-traditional FinTech/Consumer Finance environment, leveraging traditionally unconventional data and insights to deploy and optimize multi-territory/multi-product credit risk strategies via mobile/telco channels
    • Strong credit risk, fraud and collections knowledge, specifically relating to being innovative and “out of the box” in aligning “fit for purpose” products for the African market
    • Experience in defining and project managing the technical and business implementation of credit risk strategies within a FinServ/FinTech environment
    • Deep understanding of the digital banking ecosystem, players, business models and industry related best practices
    • Understanding emerging markets advantageous
    • Worked across diverse cultures and geographies
    • Pan Africa multi-cultural experience is advantageous
    • Entrepreneurial spirit, self-driven and ability to motivate a fast-paced team
    • Attitude of Innovation, inventiveness and thought leadership
    • Abreast of global mind-set and best practice
    • Willing and flexible to travel within Africa and Middle East
    • English speaker. French, Portuguese, Zulu, Swahili, and other African languages a plus

    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, Python, or other data analytics/data science languages
    • Machine learning and predictive modelling
    • 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
    • Complete candour
    • Culturally aware
    • Emotional Maturity
    • Innovation
    • Integrity
    • Leadership

    go to method of application »

    General Manager: Product, Portfolio Optimisation and CX

    Mission/ Core purpose of the Job

    The General Manager:  Product, Portfolio Optimisation & CX is responsible to define, develop and implement the Product Marketing and Customer Experience (CX) strategies through the establishment of key communication channels between BankTech and its’ customers. The role is responsible to build and operationalize a multi-channel GTM strategy that results in exponential customer growth and revenue generation.

    The role will work closely with UX/UI across digital channels teams (USSD, WEB, App, Bot, WPA) and BankTech segments (Consumer, Merchants, SMMEs, Agents, Developers) in order to enhance Customer Experience. The General Manager is also responsible for ensuring the high penetration of Mobile App and WPA users among data/smartphone enabled Fintech users.

    Further the General Manager is responsible for the overall quality, performance of portfolios, portfolio administration and credit quality of assigned portfolios . This includes strategic alignment of portfolios to business objectives, defining portfolio execution processes, planning and implementation, and ensuring consistency of delivery standards to drive optimal delivery, financials, and quality.

    As part of the leadership team, the General Manager is responsible to contribute to Finco’s overall strategic goals, to achieve profitable growth, and to continuously improve the operations performance.

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

    Strategy Development and Implementation

    • Provide input into the BankTech strategy in line with the overarching business goals, ensuring that Finco maintains and improves its leadership positioning
    • Define the overall functional strategy and business planning for the team
    • Ensure the effective execution of the strategy by means of providing direction, structure, frameworks, models, plans and roadmaps, aligned to group strategy and frameworks, implementing to Opcos
    • Drive the effective cascading of the overall business plan
    • Execute the functional strategy by driving customer awareness, engagement, experience and monetization
    • Provide input into the BankTech Business Plan and cascade this to Opcos
    • Drive product revenue and growth, operational excellent and customer satisfaction

    Staff & Leadership Management

    • Build and manage a high performing team by providing leadership, role clarity, training and career development
    • Build and manage a high-performance team
    • Continually develop a culture of strong collaboration and effective team working
    • Ensure open communication channels with staff and implement change management interventions where necessary
    • Provide definition of roles, responsibilities, individual goals and performance objectives for the team
    • Set KPIs and provide regular performance feedback through a well-defined and implemented performance review program
    • Develop and implement a training plan in order to build and develop skills within the team
    • Encourage knowledge transfer through the implementation of a knowledge transfer plan and drive continuous improvement philosophy through the knowledge transfer plan
    • Performance manage resources in accordance with HR policy and legislation where necessary
    • Actively participate in leadership team and develop skills of own team
    • Promote a ‘Finco centric’ and ‘partnership approach’ to develop strong relationships with other working groups and ensure adherence to Group governance

    Operational Delivery

    Functional Leadership:

    As the functional leader of the Product, Portfolio Optimisation & CX vertical, the General Manager is accountable to:

    • Establish, monitor and align the direction, strategy and results of the vertical collectively and as individual work areas
    • Lead and drive an integrated solution development and problem-solving philosophy within the function
    • Monitor true-value metrics to measure the impact and benefit of the function to Group Finco
    • Drive continuous improvement across the function

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

    Product Portfolio (Asset Management/ Commercial Portfolio & loans)

    • Review and oversee the deal pipeline for BankTech, managing the different categories and geographies as a portfolio to maximize the performance of the portfolio
    • Review portfolio strategies to increase BankTech revenue and market share
    • Review and optimize product value propositions including issuing, acquiring, new product propositions.

    Governance

    Operational, Tactical and Strategic Meetings

    • Hold strategic meetings, ensure relevant participation and provide guidance and support in the various discussions
    • Drive enterprise wide transformation initiatives, elicit inputs from relevant parties
    • Drive adequate risk mitigation and controls, and elicit inputs from relevant parties
    • Sign off approval on new initiatives
    • Provide relevant budget for internal projects
    • Prepare proposal on change initiatives, SLA policies and procedures

    Escalations

    • Resolve and provide guidance to escalations that have impact on critical path of service delivery
    • Resolve issues that will result in severe time, scope, productivity, and cost or resource or reputational impact

    Tactical

    • Review BankTech-related projects initiated (internal or global)
    • Review and finalise objectives, targets, and budgets for the function as applicable
    • Review key risks, issues and dependencies and set mitigation actions
    • Sign-off / provide guidance on decisions regarding tactical changes

    Performance

    • Define the standards and set targets for performance across the sub-division and identify the parameters for measurement of performance
    • Responsible to drive revenue, this is one of the core revenue generators for the business
    • Monitor performance against business plans (i.e. business plan tracking) as well as alignment with global strategy and industry best practices
    • Identify opportunities for improvement, and provide the necessary support to respective teams to take the corrective action needed to drive performance against business targets
    • Oversee business planning, forecasting and reforecasting

    Reporting

    • Report on a periodic basis to BankTech Executive relating to progress made within the function and in accordance with the measurement metrics set by the organisation
    • Report on an ad hoc basis on specific projects, as required

    Budgets

    • Develop and manage the functional budget in line with business objectives
    • Develop and manage project initiative budgets in line with business objectives
    • Ensure that the “cost of operations” is reduced, in line with a least cost operating strategy stemming from the business drivers
    • Ensure delivery of revenue and growth targets

    Job Requirements (Education, Experience and Competencies) 

    Education:

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

    Experience:

    • Minimum of 10-12 years post qualification experience plus at least 4 years in Fintech / banking industry /financial sector in Product & Portfolio Management space
    • Senior management track record of 5 years or more; with at least 3 years in relevant sector/ industry as per relevant role
    • Proven experience in leading and managing BankTech products in a global multi country environment
    • Experience in a senior capacity in in CX, digital marketing, digital product management
    • Proven experience executing customer experience and retention campaigns
    • Experience in marketing product category will be advantageous
    • Experience in Commercial/Financial/Lending Portfolio Management in a scalable/large scale Financial Services and/or Consumer Finance multi-country environment
    • 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
    • Hands on experience in managing and implementing digital products and initiatives
    • Deep understanding of the digital banking ecosystem, players, business models and industry related best practices.
    • Understanding emerging markets advantageous
    • Worked across diverse cultures and geographies
    • Pan Africa multi-cultural experience is advantageous
    • Entrepreneurial spirit, self-driven and ability to motivate a fast-paced team
    • Attitude of Innovation, inventiveness and thought leadership
    • Abreast of global mind-set and best practice
    • Willing and flexible to travel within Africa and Middle East
    • English speaker. French, Portuguese, Zulu, Swahili, and other African languages a plus

    Competencies:

    Functional Knowledge:

    • Understanding of FinTech, banking, microfinance and payment businesses
    • Digital marketing
    • Digital Banking product management
    • Fintech & Digital Business
    • Digital content, media and/or applications
    • Customer value chain
    • Customer management platforms and systems
    • Search Engine Optimisation (SEO)
    • Search Engine Marketing (SEM)
    • E-commerce and electronic payment business
    • Go-To-Market strategy
    • Customer Experience management
    • 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

    Method of Application

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