Job Summary
To effectively support in developing strategies throughout the credit cycle including prospect targeting and acquisition, exposure management, customer marketing, collections, and recovery. This also includes ensuring successful score card deployment, implementation, and performance tracking, building, and tracking test cases, Sampling responsibility to ensure credit quality is maintained as well as Perform portfolio quality reviews.
To support the Head of Retail Credit risk in building monthly Scheme portfolio reports, forbearance and appeals & dispensation reviews, limit reviews as well as annual reviews as and when required. Additionally lead the Macroeconomics section in the department by circulating highlights in the news affecting the portfolio, monthly economic reviews, sector analysis as well as competitor analysis on the retail credit risk portfolio
Job Description
Key accountabilities/Deliverables/Outcomes
Development of Risk Management Models (Time Split 20%)
Design and development of effective credit risk management models for the mobile lending product
Design and development of application and behavioural scorecards for different products/markets portfolio
Definition of a credit strategy for each portfolio to optimize portfolio profitability.
Continuous research and testing to assure effectiveness of the credit risk models and tools.
Execution and Maintenance of Risk Management Models (Time Split 30%)
Execution and maintenance of these credit risk models to optimize profit.
Review and underwrite credit strategies that may require subjective input.
Portfolio Monitoring (Time Split 30%)
Portfolio monitoring to identify trends and mitigation strategies to achieve target credit risk metrics.
Define and manage a portfolio management strategy that assures compliance to performance metrics.
Preparing monthly macro-economic reviews on the exchange rate, inflation, interest rates and other factors affecting the economic environment
Carrying out regular competitor analysis with regard to products and financials
Regularly updating the macro-economic library in view of the required Sectors intelligence and regulatory landscape
Co-related portfolio performance and macro-economic environment
Quality Assurance (Time Split 20%)
Contribution to the product development to assure quality is integrated to product design.
Contribute to product and process design and development to build quality at design.
Contribute to Sales strategies to positively influence the target population and product uptake
Role/person specification
Preferred Qualification
A bachelor’s degree in a maths/statistics/economics/ operations research related field
Preferred Experience
Proven excellent presentation skills.
High analytical ability
Knowledge and Skills
Proven experience in performing data analysis using a standard statistical package such as SAS (preferred) or SPSS
SQL to perform data analysis and come up with conclusions
Education
Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
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