Manager, Credit Risk Strategy, Portfolio

Company Description

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

Job Description

Lead and manage the Lending Strategy and Data Automation team to enhance the credit decision-making process and simplify and automate the Portfolio team data infrastructure and reporting processes. You will be responsible for the monitoring, enhancement and development of the Lending credit risk strategy across various Loan products to continuously work toward improvements in the credit decision-making process. You will lead a talented analytics and data engineering team using large data sets to provide in-depth data-driven insights and trends over time to influence the credit strategy design and drive actionable initiatives to create sustainable growth of the Loans portfolio. With the ability to cross collaborate across teams and present your findings and proposals to key stakeholders and committees, you will drive the creation of effective credit strategies, identification and improvement of processes and support your team members in executing these key initiatives. Your role and analysis performed within the team will be key in directly impacting new business default performance against risk appetite, with your recommendations pivoting the optimization and improvement in credit performance.
 

Qualifications

• Completed Matric
• A post-graduate degree is advantageous, in Mathematical Sciences, Risk Management, Quantitative Studies.

Experience

• 5-7 years
• Credit risk or a related analytical environment, where credit risk experience in Originations and/or scorecard monitoring and development, account management and collections would be advantageous.
• People management, leadership and people development

Additional Information

Behavioural Competencies:

• Strong communication and presentation skills.
• Attention to detail: A strong focus on accuracy and precision, ensuring that all credit risk assessments and models are thorough and reliable
• Analytical Thinking: The ability to break down complex problems, gather and analyze relevant data, and make well-informed decisions.
• Producing a high standard of output: Is focused on activity and works quickly; keeps busy and maintains productivity; is comfortable multi-tasking to produce output
• Collaborative problem solving: Strong communication and relationship building skills to create, foster and leverage from other’s experience and knowledge.
• Proactive and driving your own initiative: Displaying a keen initiative to identify and solve for areas of opportunity to improve business performance. 

Technical Competencies:

• Strong understanding of credit risk principles, credit policy and risk appetite frameworks
• Experience in retail credit risk management
• Familiarity with credit scoring models
• Highly Proficient in statistical software packages such as SAS (preferred), Python and R.
• Data sourcing, development of end-to-end report production
• Strong excel skills and application knowledge (pivot tables, advanced functions, VBA desirable)