Credit Portfolio Manager at Absa Bank Limited

Job Summary

Develop strategies throughout the credit cycle including prospect targeting and acquisition, exposure management, customer marketing, collections and recovery. Responsibility of the retail credit portfolio and management of the entire credit cycle in aggregate which comprises the following:

• Product planning.
• Credit initiation.
• Account maintenance.
• Collection/Recoveries.
• Fraud Management.
• Analytics.
• Scorecard reviews.
• Sampling responsibility to ensure credit quality is maintained.
• Perform Portfolio Quality Revie

Main accountabilities.

Data Analysis and Manipulation:

• Execute Data Analysis, Data Extraction, Manipulation Tasks and 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 programmes 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.

Stakeholder Management:

• Business stakeholders.
• Credit Ops stakeholders.
• ARO Stakeholders.
• External stakeholders.

Technical skills / Competencies.

Education and Experience Required:

• High level of PC literacy, ideally with experience in the use of SAS.
• Ability to work on own initiative.
• Practical experience of using analytics to solve complex business problems.
• Able to present complex analytical concepts to all levels of the business.
• Working to deadlines.
• Personal organization.
• Initiative.
• Managing multiple tasks.
• Communication (both verbal and written).
• Attention to detail.
• Creative thinking and ability to explore new ideas / opportunities and develop innovative approaches. 
• Ability to draw out key messages and see patterns to identify future trends.

Knowledge, Expertise and Experience.

Essential:

• Proven excellent presentation skills.
• High analytical capability.
• Proven experience in performing data analysis utilizing a standard statistical package such as SAS (preferred) or SPSS.
• Communication and persuasion skills with the ability to think quickly and package ideas and results in a logical, understandable and compelling way to both technical and non-technical audiences.
• A self-motivating team player who is able to define structure and prioritize work in order to complete assigned tasks on schedule in a timely and cost effective manner.

Preferred:

• A numeric degree (math, statistics, economics, operations research) or Masters degree, A business background is an added advantage.
• Energetic and highly motivated.
• Keen team player.
• Ability to assimilate new information and quickly adapt new environment.
• Self-starter who naturally assumes ownership of initiatives.
• Passionate about data analysis and how this contributes to the business.