Job Summary
To develop tactical strategy and delivery plans, formulate associated practice/s and to ensure operational implementation and adoption i.t.o. credit risk management methodology, practice, governance and delivery objectives.
Job Purpose
To effectively support the head of mobile lending policy and portfolio management in developing strategies throughout the credit cycle including prospect targeting and acquisition, exposure management, customer marketing, collections and recovery.
Scorecard reviews
Sampling responsibility to ensure credit quality is maintained.
Perform Portfolio Quality Reviews
Perform data analysis, forecasting and generate management information used in mobile lending credit portfolio management.
Key Accountabilities
Data Analysis and Manipulation 80%
In collaboration with the business counterparts, develop, implement and maintain credit risk strategies.
Execute Data Analysis – Data Extraction & Manipulation Tasks – Programming Tasks
Collect relevant customer data from bank’s internal MI systems.
Analyze and interpret customer data relating to Credit Risk processes using statistical and data analysis packages such as SAS, Terra data, Excel.
Communicate analytic results to both technical and non-technical audiences, using Microsoft Excel worksheets and Power point presentations.
Support managers by providing relevant and timely analysis for current projects and ad-hoc queries.
Provide analysis to support managers with business-as-usual activities such as Credit Risk strategy changes.
Continuously strive to improve Absa’ s decision support systems.
In conjunction with the Credit Policy Manager, develop, implement, and maintain credit risk strategies for the Retail credit business as a whole (operating, organizational, physical and technology models).
Be responsible for the successful design, development, and implementation of any Retail Risk programs of change, ensuring that the benefits of such change are driven out and maximized and change embedded into the business-as-usual operations.
Manage service level agreements with internal customers,
Continuous improvement of the Management Information base to ensure they remain relevant, reflect credit risk appetite and are useful to provide the business with information for use in decision making and policy matters.
Number of accounts / outstanding balances
Delinquency statistics
Scorecard and policy rules monitoring
responsibilities for Data Integrity.
Maintain interactive relationship with relevant ARO/Group Risk/Business/Operations/Conformance Teams.
Challenge pricing and profitability model to maximize value. Ultimate sign off at customer level remains with Business.
Design, implement and maintain generic strategies for appropriate remedial action on poorly performing accounts in the portfolio.
Leadership Time Split: 20 %
Be part of a highly motivated team maintaining excellent relationships within own team and wider business to ensure achievement of business goals.
Consider the training and development needs of the team and support the development and implementation of solutions.
Act as a role model and drive proactive application of Absa behaviors throughout the team including establishment of common goals and objectives.
Ensure effective performance development and succession planning for the team.
Qualification
Business Degree in mathematical finance, actuarial science, economics, statistics
Comprehensive technical credit skills
General commercial/industry awareness
Working knowledge of risk management policies, procedures & pricing
Preferred Experience
Working knowledge of Group policies and strategies relative to the credit function
Product knowledge
Detailed understanding / fit of the vision for Risk
Working knowledge of local country structure and strategy
Leadership and performance development of a team
Managing risk and reward
Knowledge &Skills
Leadership
People management and coaching
Communications (written and oral) and presentations
Effective negotiation and influencing
Delegation
Influencing
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