Credit MIS, Portfolio Management and Reporting Manager at Equity Bank Kenya

Job Purpose

The role entails direct oversight of credit portfolios across all countries where the Group operates. Key to this role will be an emphasis on ensuring the Group adheres with its objective of growing and maintaining a high-quality asset portfolio.

Job Responsibilities/ Accountabilities   

• Implementation of the Group Credit Risk Policy/framework as outlined with respect to the Credit Risk Monitoring.
• Development of portfolio quality monitoring reports to highlight key insights and trends whilst proactively managing and minimizing expected credit loss, portfolio at risk, and impaired assets. 
• Identification and Tracking of Potentially problematic accounts and production of relevant reports to Senior management for action.
• In collaboration with Finance, periodically review and validate consolidated published credit related information.
• Act as a central point of contact/liaison on credit related workstreams as may be required, by internal/external stakeholders, such as - finance, risk, projects team, subsidiary credit heads and external partners.
• Participate and drive decision making in the Group’s Planning and Budgeting Initiatives within processes such as ICAAP and Stress Testing.
• Continually improve portfolio oversight processes by ensuring high-quality portfolio data within core banking and credit systems through periodic collaboration with IT, Commercial Heads, Product Owners, Program owners etc.
• Where applicable, building new while improving & maintaining credit risk monitoring dashboards.
• Effective independent oversight of the digital credit portfolio automated credit decisioning engines and their performance.
• Detection and Escalation of any Portfolio deviations to management and other stakeholders whilst proposing remedial measures for action.
• Offer recommendations towards the continuous improvement of credit products & programs in view of portfolio trend information.
• Support in the groupwide review and continuous improvement of board credit and management committee presentations.
• Support in the preparation of credit investor decks, induction and training materials as well as circulations within the group and where applicable externally.
• Ensuring compliance with audit and regulatory requirements.
• Any other duties that may be assigned from time to time by your supervisor.

Qualifications

Required Skills and Qualifications

• BA/BS in Education, Mathematics, Business, Quantitative Finance, Computer science, Economics, Statistics, Engineering or Similar Quantitative field
• At least 10 years working experience, 5 of which must have been within a risk & control function with a focus on data analytics, risk analytics, internal/regulatory reporting, risk appetite monitoring, and/or portfolio management