Credit Portfolio Manager at Afrizan Personnel

Job description

A leading Consumer Lending business is seeking an experienced and analytical Credit Portfolio Manager to join their dynamic and growing team.

Responsibilities: 

• To optimise the medium term profitability of their specific unsecured personal loans portfolios by setting the appropriate credit risk appetite strategy, including:
• Terms of Business.
• Scoring and Policy Rule Strategies
• Appropriate bad debt targets
• Pricing and Profitability
• Accountable for performance, including all risk drivers and bad debt of the portfolio relative to agreed targets.
• Portfolio Management
• Formulate, monitor and review profitability, provisioning, production, and credit quality targets for each portfolio.
• Monitoring the risk and profitability performance of each portfolio, total customer exposure, early settlements, as well as customers’ external exposure to credit.
• Communicate findings and make recommendations to key internal and external stakeholders.
• Conduct trend analysis on the portfolios to identify opportunities for growth and appropriate collections and recoveries strategies.
• Optimise and make recommendations on the Terms of Business, scorecard types, scorecard cut-offs, scorecard vendor (if external) bad debt levels and portfolio profitability
• Reporting and Analytics
• Prepare and present all reporting to internal and external stakeholders
• Work closely with scoring and modelling analytics as business owners of all models.
• Ensure alignment and manage expectations with brand performance owner(s) in terms of portfolio performance (including risk drivers, bad debt and production levels).
• Make recommendations to the brand performance owner(s) based on findings from analysis, monitoring and reporting.
• Strategy Initiatives
• Initiate appropriate Champion / Challenger strategies and use the results to inform tactical decisions that optimise portfolio performance
• Coaching and mentoring
• Mentorship and development of junior analysts may be required from time to time.

Qualifications and experience:

• B.Com, B.Bus Sci, B Eng, B.Sc
• B.Sc / B.Com / Honours / Masters degree in Mathematics, Statistics, Economics, Finance, Financial Risk Management, Quantitative Risk Management, Actuarial Science or any equivalent
• Strong ability to interpret data , communicate this to and influence key stakeholders
• 5 years - Analysis, retail credit risk, reporting and modelling experience within a consumer based portfolio environment such as credit risk portfolio performance or customer value management.
• 2 years - Working knowledge and experience in using data analysis software packages such as SQL or SAS is essential
• 5 years - 2 years - Working knowledge and experience in using data analysis software packages such as SQL or SAS is essential
• 5 years - Knowledge of the credit industry and credit life cycle management is essential
• 5 years - Good working knowledge of MS Office

Budgeting and Tracking

This appointment will be inline with EE requirements. Only South African candidates will be considered.

If you have not been contacted in 2 weeks, please consider your application unsuccessful.


If you are open to relocating, you are welcome to apply.