Vacancies Available at IDC

Job Description

Internal / Operational Processes

• Analysing client feedback, surveys, complaints, and operational data to identify client pain points, investigate root causes, collaborate in designing solutions and identify opportunities to enhance the client journey and create a consistent experience.
• Recommending strategies to improve client interactions across multiple touch points and channels based on insights gained from analysis.
• Collaborating with cross-functional teams, including Operations, Client Support and Growth, Corporate Affairs and Innovation and Continuous Improvement to align client experience efforts with business goals and objectives.
• Map process to identify waste and optimization opportunities to optimize client experience.
• Identify business metrics that can assist with deeper optimized insight into business processes and controls.
• Apply a problem-solving mindset and coach team managers to improve results, identify root causes and identify solutions for implementation.
• Tailoring the client experience to individual preferences and needs by leveraging data and technology through customized process, product recommendations and communications, based on client behaviours and history.
• Proactive communication: Engaging with clients and teams proactively, providing timely and relevant information, and addressing their concerns or inquiries promptly.

Customer Focus & Stakeholder Management

• Analysis of behavioral data insights including embedding and establishing New Ways of Works (NWoW) (currently through the Perform Plus tool).
• Analyzing data across the value chain in order to identify blockages, analyzing client data (including survey and complaints) to identify pain points for clients.
• Leading problem-solving huddles to identify implementable solutions and ensuring effective implementation of solutions.
• Working with Continuous Improvement team to ensure effective end-to-end client journey mapping and management, clearly identifying touch points, pain points, opportunities for improvement and driving collaboration for optimal outcomes.

Requirements management

• Ability to gather, document and manage the requirements; ensure that the requirements are clear, consistent, feasible and aligned with the business goals.
• Analyses / document current systems and future solutions, processes, and controls.
• Perform business impact analysis.
• Ability to support business user acceptance testing; development of UAT test cases.
• Need proficiency in using MS Visio (Mapping tool)

Learning, Leadership & People Growth

• Provide strategic leadership and management to maximize effectiveness and drive high performance and delivery.
• Ensure the effective management of the team, including employee motivation and development.
• Protect the interest and wellbeing of employees and establish suitable communication lines with them.
• Provide leadership that fosters a culture consistent with the Corporation’s values.
• Coaching and mentoring team members.

Qualification and Experience

Qualifications

• Minimum qualification: relevant commercial or technical Degree or equivalent qualification.

Selection criteria

• 5-8 years relevant experience.
• Experience working in project execution environment with tight deadlines.
• Can independently structure, analyse and synthesis data and findings with minimum coaching.
• Knowledge of process mapping, client journey mapping and process governance.

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Qualification

• Law degree and Admission as an Attorney essential
• Master’s degree such as LLM desirable

Knowledge & Skills 

• A minimum of five years’ post-article experience in a banking and finance/corporate finance/project finance environment.
• 8-10 years working experience in the banking and finance/SoE/DFI (restructuring, turnaround & business rescue) space is essential 
• Experience in the drafting, review, negotiation and re-negotiation of cross-border, project finance, corporate, commercial, structured and re-structured finance transactions

Roles and Responsibilities

• Provide general legal advice, including legal research
• Structure, restructure, negotiate and re-negotiate corporate and commercial transactions including project finance and cross-border financing transactions
• Identify, evaluate and structure import and export finance transactions
• Ensure compliance with internal legal and other IDC procedures and policies
• Identify and minimize potential legal risks
• Draft, review, negotiate and re-negotiate financing agreements and other legal documentation
• Make presentations and opine on legal and regulatory developments
• Conducting legal due diligence investigations
• Ensure efficiencies aimed at improving client satisfaction by providing efficient legal services 
• Developing and maintaining relationships with providers of legal services (including, external legal counsels, business rescue practitioners and other key stakeholders)
• Develop and maintain client and institutional relationships, internally, locally and internationally

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Qualification and Experience

Qualifications

• CA / B Com post graduate qualification (or equivalent degree).
• MBA or equivalent would be an added advantage

Knowledge and Experience

• 10 to12 years’ experience in credit risk or senior deal structuring in a financial institution, with at least 3-5 years managing teams directly and/or indirectly.
• Proven track record in the structuring of complex transactions/projects.
• Strong and formally proven analytical and assessment skills, with ability to present technical information in a clear, concise and simple manner.
• Strong attention to detail and application of risk mitigation standards and processes
• Excellent written and verbal communication skills with strong negotiation abilities
• Must have drive and determination to achieve set goals including working under pressured and deadline-filled environments.
• Experience in liaising with senior internal and external stakeholders.
• Due Diligence experience would be an advantage.
• Strong leadership skills and ability to influence stakeholders and team members.
• Experience in working collaboratively in a high-pressured, environment.
• Ability to handle several complex tasks simultaneously and also coordinate key projects with a variety of stakeholders while building effective relationships is essential.
• Must possess the ability to make deductions and meaning from complex and abstract information and situations and make sound decisions from these factors and provide direction to the team in these instances.
• Ability to arrive at rational decisions even under stressful/ high pressure situations.
• Negotiation and interpersonal skills are essential and ability to influence people towards achieving a predetermined goal.

Roles and Responsibilities

• Lead a team of credit risk origination managers, providing guidance and oversight to deliver on their roles and responsibilities.
• While addressing and delivering the same roles and responsibilities at a very senior level, ensure the following tasks are delivered upon at an appropriate depth and levels of skill and experience:
• Providing advisory services to SBUs and Credit Origination teams on credit risk matters and assist in the structuring of deals.
• Participate in Due Diligence investigations with the SBUs & Regional Offices and provide advice on risks to be assumed, mitigating factors and viability of projects.
• Implementation of credit risk management strategies to minimize potential losses.
• Assess problematic areas and find resolutions to assist the team in providing the best practice solutions for the client and internal stakeholders.
• Preparing preliminary SWOT analysis and ensuring application of Credit policies and credit appetite framework utilizing approved standard templates.
• Participation in Basic Assessment processes and presenting the Credit Risk Opinion at Deal Development Forum chaired by the Operations Executives of the organisation.
• Assist in the provision of “indicative risk grade and pricing” and running different pricing scenarios.
• Ensure submission of final reports pack to CEMs is undertaken timeously ahead of submission into formal credit sanctioning bodies.
• Work with the deal team (including the Legal Department) to ensure efficient deal closure, including supporting condition precedent (CP) waivers and/or changes of approved credit terms, as and when necessary.
• Ensure adherence to the principle of “need to know” by treating all information received with care and confidentiality, ensuring it is limited for use to the credit evaluation process.
• Perform credit checks and deed searches on prospective and existing clients.
• Ensure the Credit Origination function adopts best governance standards related to avoidance of any transactional conflicts.
• Ensure full compliance with regulatory requirements.
• Forster and promote constructive collaboration between credit risk origination and evaluation teams, ensuring the sharing of client/project visit insights leads to accurate and efficient completion of risk assessments.
• Maintain a close working relationship with Credit Evaluation Managers (“CEM”), including co-ordination and sharing of information in the processing of new transactions and provide an option for CEMs to attend client meetings if and when required.
• As part of the team, ensure completed SBUs applications meet high submission quality standards, are in strict alignment with the applicable templates of the corporation, are fit-for purpose and have been subjected to the appropriate risk lens on structure /tenor/products and shareholder contribution and appropriate risk mitigations for identified risks.
• Custodianship of the organization’s approved Risk Appetite to front line and encourage adherence, and ensure each application is conducted in adherence of the stipulated appetite levels and internal credit policies.
• In collaboration with the legal department, seek for the adoption of a consistent approach in the drafting of standardized finance documentation as appropriate to ensure consistency of credit terms.
• Continuously assess relevance and propose enhancements to the credit risk methodologies, process and systems for assessing and managing credit risk and capital allocation.
• Working with Head CRMD, facilitate constructive and healthy working relations between Credit Risk Department and SBUs/Operations Divisions plus other internal stakeholders.

Roles and Responsibilities (cont.)

• Provide appropriate support to the Head CRMD during Deal Development Forums (DDF) and Priority Pipeline Forum as required, and act as a sounding board to Credit Origination team throughout the credit process.
• Attending and presenting at Investment Committees and EXCO meetings as and when required.
• Overall accountability and sign-off over the draw-down process, ensuring that the terms of credit committees are well documented and executed in the legal agreements and draw documents.
• Assist in clearing Conditions Precedent for first draws and sign off/approve first disbursements.
• Ensure formalised signed “handover documentation” when the origination process has been completed, and the report pack is ready for credit risk evaluation.
• Continuously engage and consult with Credit Risk Evaluation until deal closure, including ensuring that legal documentation includes Credit Risk recommendations as approved by the Investment Committee.
• Network and research to ensure that team is operating optimally and meeting the
  best practice solutions available within the market and relevant for a DFI.