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Job Summary

To support the portfolio manager in defining the lending framework, determining the lending criteria and managing the portfolio for quality whilst supporting customer acquisition and/or growth initiatives from the Business.

Job Description

Key Accountabilities

Risk Management and Control 40%

• Responsibility for providing Management with analytical solutions/monitoring packs and MI to manage portfolios effectively and within policy.
• Assess portfolio profitability, growth and risks on an ongoing basis
• Ensure Group reporting deadlines are adhered to
• Ensure that PD (Probability of Default) and LGD (Loss Given Default) models are understood and inputs into its development are provided or the bases of their computation are validated.
• Participate in forecasting and provide analysis required to make informed decisions
• Liaise, co-ordinate and provide various inputs and responses, as required, on impairments, forecasting, MI and analytics to stakeholders
• Participate, review and challenge in the working day meetings to establish month end impairments forecasts and understand impairment drivers
• Ensure all modelling issues are pro-actively identified and addressed by regularly engaging with relevant stakeholders, for instance if model inputs appears to be missing or inaccurate, this need to be addressed and communicated to stakeholders.
• Ensure loan bookings are within agreed lending framework and lending rules and qualifying criteria. Generate regular reports to track same.
• Ensure consistent and timely delivery of analytics support to minimize losses and maximize profits through Trend Analysis, Impairment Analysis, Account management analysis, Profitability analysis, Stress testing, Fraud analytics, Collections strategies and loss reduction strategies
• Identify opportunities to reduce loss, enhance revenue by building new rules & strategies, collection strategies, cross sell, up sell models
• Identify new opportunities for enhancing, streamlining services through use of advanced analytics, automation and optimization
• Use of statistical tools and techniques such as – forecasting, segmentation, predictive analytics etc.
• Evaluate projects from a business perspective and showcase analytics value add across projects and different forums
• Ensure adherence to and compliance with governance, risk policies, procedures and compliance policies.
• Produce ad-hoc analysis reports on the specific credit related issues – this would include detailed investigations into possible problem areas within the credit risk portfolio and making appropriate remedial action recommendations to line manager.
• Keep dispensation and policy change log.
• Produce ad-hoc analysis reports on the specific credit related issues – this would include detailed investigations into possible problem areas within the credit risk portfolio and making appropriate remedial action recommendations to line manager.
• Actively manage and improve the portfolio quality.
• Undertake regular review of policy rules and lending criteria to understand association with default.
• Produce regular monitoring reports on the portfolio with appropriate commentary for line manager’s attention.
• Work with Models, Impairments & Analytics manager/officer to ensure proper forecasting of portfolio quality and the associated impairment outlook.
• Investigate and validate key impairment drivers e.g. portfolio construct, PD and LGD.
• Ensure credit scoring models and minimum score limits are fit for purpose.
• Communicate analytical results to both technical and non-technical audiences
• Develop data driven credit risk strategies within the Credit Risk team.
• Produce a detailed report (for Retail Credit Risk as well as CRMC) on the strategy design and document possible alternative strategies and their impact on the business (i.e. champion/challenger).
• Source data from various data sources within the ABGH domain (e.g. Overall Performance and Point in time Status on Customers Account/Credit History from ebox, brains, BIW, etc.) as well as external organisations (i.e. Credit Bureaux) for portfolio analysis.
• Monitor and manage portfolio triggers and mandate & scale within agreed limit.
• Analysis of management Information with appropriate recommendations to the Head of Credit
• Provide input into review and development of Portfolio modelling
• Track and monitor repayment through engagement with COU and Collection & Recoveries.
• Manage change initiatives impacting the portfolio
• In collaboration with the business counterparts, develop, implement and maintain credit risk strategies to optimally manage the performance of the portfolio.
• Review and Implementation of credit policy and processes. Feed into business and credit policy development.
• Challenge pricing and profitability models in order to maximize value.
• Design, implement and maintain strategies for appropriate remedial action on poorly performing accounts in the portfolio.
• Actively manage the performance of the portfolio(s) within agreed risk appetite
• Other responsibilities as may be assigned to you by line manager.

Business Management 40%

• Timely production and submission of Group related MI templates e.g GRCR, and PQR
• Communicate analytical results to both technical and non-technical audiences
• Develop data driven credit risk strategies within the Credit Risk team.
• Produce a detailed report (for Retail Credit Risk as well as CRMC) on the strategy design and document possible alternative strategies and their impact on the business (i.e. champion/challenger).
• Source data from various data sources within the ABGH domain (e.g. Overall Performance and Point in time Status on Customers Account/Credit History from ebox, brains, BIW, etc.) as well as external organisations (i.e. Credit Bureau) for portfolio analysis.
• Monitor and manage portfolio triggers and mandate & scale within agreed limit.
• Analysis of management Information with appropriate recommendations to the Head of Credit
• Provide input into review and development of Portfolio modelling
• Track and monitor repayment through engagement with COU and Collection & Recoveries.
• Agree and be responsible for all change initiatives in portfolio
• In collaboration with the business counterparts, develop, implement and maintain credit risk strategies to optimally manage the performance of the portfolio.
• Review and Implementation of credit policy and processes. Feed into business and credit policy development.
• Challenge pricing and profitability models in order to maximize value.
• Design, implement and maintain strategies for appropriate remedial action on poorly performing accounts in the portfolio.
• Actively manage the performance of the portfolio(s) within agreed risk appetite

Staff Management 20%

• Own personal development process by ensuring that a SMART objectives have been agreed with team leader
• Ensure that performance review feedback has been given to you and agree remedial actions with team leader where non performance aspects have been defined
• Communicate career plans with team leader and ensuring that proper training are provided
• Participate in team discussions such knowledge sharing sessions, team building sessions.

Education

Higher Diplomas: Business, Commerce and Management Studies (Required)