Openings at MTN -(3 Positions)

Mission/ Core purpose of the Job
The Credit Analyst is responsible for the execution and reporting of the credit risk (acquisition and account management), fraud management and collections strategies relating to the specific designated digital banking Asset products within Finco’s Mobile Money landscape, across the Groups African footprint.

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

• 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

• Development & evolution of income estimation / affordability models / methodologies (customer & product level)
• Overlay credit risk policies and define exposure limit management in line with empirical models & risk appetite (customer & product)
• Execution 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
• 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
• Attend & Contribute to 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.
• Furthermore, play an integral role in working alongside:
• Product Development and Finance to ensure “fit for purpose” strategies and policies are developed to support the product roadmap
• Decision Science in the definition, development and evolution of Finco’s Digital Banking prediction capability, and the optimisation thereof
• Portfolio Management from a risk-based pricing and portfolio optimisation perspective – ensuring alignment to business strategy, profitability and continuous credit risk management capability improvement.

Governance

Operational, Tactical and Strategic Meetings

• Provide input in strategic meetings when required
• Provide inputs into the risk mitigation and controls
• Provide input into the preparation of proposal on change initiatives, policies and procedures

Escalations

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

Function Tactical

• Provide input into all projects initiated when required
• 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

Job Requirements (Education, Experience and Competencies) 
Education:

• 4-year Financial, Commerce, Statistical, Credit Risk Management (or related) Degree
• Postgraduate qualification/ Certification in Credit Risk Management is advantageous

Experience:

• A minimum of 5 years’ experience in analysing, developing and deploying credit risk & collections (credit life cycle) strategies in a scalable/large scale Financial Services and/or Consumer Finance
• Experience in data analysis, data manipulation and management, business performance management and/or reporting within the financial sector or banking industry
• Prior experience Financial Services, with experience within the telecom industry and with Mobile Money being an added advantage
• 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 (preferred)

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
• Strong credit risk, fraud and collections knowledge
• SQL, SAS, Python, or other data analytics/data science languages
• 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
• Analytical
• Organised and methodical
• Operationally astute
• Proactive

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Mission/ Core purpose of the Job
The PM/Scrum Master is responsible to plan, co-ordinates and manage, short- and medium-term projects related to BankTech using Agile project management methods, principles, techniques, and providing support and facilitation to increase velocity and team productivity, and to ensure the success of BankTech project delivery.

Additionally, this role is responsible for identifying risks, dependencies, and impediments, leading the team and business in finding a solution, coordinating with other teams and functional partners, and actively escalating when needed to ensure resolution

The PM/Scrum Master will also contribute towards way of work by suggesting and devising better methods of execution through continuous improvement and collaboration with respective Product Managers, in order to achieve expected project objectives

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

• Manage cross functional projects across Finco Opcos by piloting, launching, replicating and scaling new global initiatives
• Drive the implementation of functionalities across Finco Opcos to continuously improve the existing capabilities
• Risk assessment and contingency planning for all projects under their responsibility
• Uses Agile 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 digital and fintech 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

• Manage scheduling, strategic & operational planning and execution of projects
• Support the respective Product Owners in defining requirements for project alignment and successful implementation, ensuring right-sized story writing, aligning priorities, and planning sprint iterations
• Oversee the application of Agile principles in the delivery of projects
• Ensure execution in alignment with roadmap & sprint plans
• Track and report on status of all projects
• Facilitate key agile ceremonies, such as daily stand-ups, demos, and retrospectives
• Monitor and optimize Project Management processes and practices
• Promote continuous improvement through retrospectives and team learning
• Coordinate with other projects delivery teams, stakeholders, and partners to manage risks, interdependencies, and impediments to the team
• Establish and maintain effective relationships with projects stakeholders within the business and in IT, ensuring regular engagement in terms of understanding the business need, building shared understanding of the solution and providing status updates
• Work with cross functional IT, and Portfolio teams to ensure project alignment in terms of delivery & implementation
• Manage and execute on Project governance requirements & frameworks
• Track program/project level metrics to validate projected ROI and helps streamline the Project Management process, communication and execution
• Provide support during systems upgrades, installations, conversions, and maintenance
• Lead the collaborative planning process, prioritising work in alignment with the capacity of the multidisciplinary delivery team, consisting of internal and service provider resources

Governance

Operational, Tactical and Strategic Meetings

• Provide input in strategic meetings when required
• Provide inputs into the risk mitigation and controls
• Provide input into the preparation of proposal on change initiatives, policies and procedures

Escalations

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

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

• Ensure execution in alignment with roadmap & sprint plans
• Continuous performance monitoring and adjust strategy and actions to deliver targets

Reporting

• Report on a periodic basis 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

Job Requirements (Education, Experience and Competencies) 
Education:

• 4-year Business Management, Project Management (or related) Degree
• Certified Agile coach, Certified Scrum Master (CSM), Professional Scrum Master (PSM), SAFeCertified Scrum Master or similar
• Certifications in traditional Project Management practices, e.g., Prince 2, PMP 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 with Scrum Master responsibilities
• Experience at the management level in the financial sector
• Proven experience and expertise in Agile methodologies, such as Scrum, Kanban, XP, TDD, and BDD
• Knowledge of collaborative design techniques Agile and Lean frameworks
• 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:

• Agile methodologies, such as Scrum, Kanban, XP, TDD, and BDD
• 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

• Digital marketing
• 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 »

Mission/ Core purpose of the Job
The Senior Business Analyst (Operations) is responsible to support, manage, co-ordinate and implement the business and technical aspects of the BankTech business system projects bouquet led by the Project Manager Business Systems (Technical) and (Operations); according to the business plans, ensuring documentations on all project management requirements are completed so that project schedule is met.

The Business Analyst will also contribute towards way of work by suggesting and devising better methods of execution through continuous improvement and collaboration with respective Product Managers, Credit Analysts and Decision Scientists to achieve expected project objectives.

The business analyst will support, manage and co-ordinate system enhancements. The business analyst will be expected to work closely with the Product Managers in prioritizing enhancements and seeing them through to deployment

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

• 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
• 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
• Prepare and submit weekly, monthly, and annual project status reports for the Project Manager
• Analyse and evaluate current work processes and implement changes to achieve efficiencies using best in class practices
• Support Opcos in coordinating Go-to-Market BankTech product and service strategies
• Support Opco in implementing new BankTech products and services, resulting in an optimal value proposition
• Keep the Project Manager informed of all aspects of the projects and ensure that milestones and deadlines are met and that any conflicts, problems are identified early enough, so not to jeopardize projects delivery
• Support the Project Manager in the coordination of end-to-end onboarding of all Digital third-party vendors responsible for project delivery
• Track expectations and success indicators for project and report on project status
• Develop & maintain schedules for implementation of long-range plans and proposals
• Document best practices and lessons learned (heuristics) to inform future executions
• Identify all realistic projects risks, analyse probability, and impact and provide input to the development of contingency plans to monitor and manage risks
• Support Project Manager in projects closures and snags fixes

Governance

Operational, Tactical and Strategic Meetings

• Provide input in strategic meetings when required
• Provide inputs into the risk mitigation and controls
• Provide input into the preparation of proposal on change initiatives, policies and procedures

Escalations

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

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

• Ensure execution in alignment with divisional strategy
• Continuous performance monitoring and adjust strategy and actions to deliver targets

Reporting

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

Job Requirements (Education, Experience and Competencies)
Education:

• 4-year Business Management, IT (or related) Degree
• Business Analysis Certification (or equivalent) required

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

• Analytics and Interpretation
• Strategic Thinking
• Organizational Agility
• Digital mind-set
• Dealing with ambiguity and complexity
• Decision Making
• Conflict Management
• Numerical