General Manager, Portfolio Management & Insights at NCBA Group

Job Purpose Statement

To support the Group Director, Credit Risk Management in developing and implementing a prudent credit risk framework in support of the bank’s objectives of; achieving profitable growth while maintaining credit risk within acceptable levels. This is a leadership role providing oversight and guidance to a team of portfolio managers and analysts. The credit portfolio under the remit of the role includes Corporate, Commercial, Business Banking and Consumer segments. 

Primary responsibilities include independent monitoring of the asset book and provide portfolio insights on the quality, risk levels and intervention required to the Credit Risk and Business teams. Portfolio insights and analytics include but not limited to, key credit metrics, risk ratings, exposures, and concentrations. The role is instrumental in supporting management decisions including credit risk appetite, product performance and optimisation and loan loss reserves. The outcome of the analysis is communicated through portfolio reporting to management, board committees and regulatory bodies as required.

The role will also be involved in providing technical support to the regional subsidiaries on portfolio monitoring, portfolio insights, credit models and reporting as per defined policy/regulatory frequency.

Ideal Job Specifications

Academic:

• Undergraduate degree in Finance, Accounting, Economics or related field
• Appropriate Masters Level or Post Graduate Qualification.

Professional:

• Relevant professional qualification in Finance, Accounting, Financial Analyst or related field.

Desired Work Experience:

• A minimum of 10 years of experience in Bank Credit Risk Management and specifically experience in Portfolio Analytics, Monitoring and Reporting at a senior leadership level.
• Exposure to Credit, Market and Operational Risk dimensions, Basel implementation, IFRS 9 implementation, ICAAP etc.
• Strong understanding of financial statements and bank credit risk analysis. This includes competence in understanding key macro drivers of credit risk, customer behaviour, bank products and lending strategy
• Working knowledge of bank credit policies and standards as well as relevant regulations and compliance issues.
• Strong Excel knowledge, including pivot tables, macros, and functions. Thorough knowledge of report construction and merging multiple data sets; Familiarity with reporting tools
• The ability to conduct complex risk analyses and provide senior management with business insights of portfolio quality and product and portfolio trends, and portfolio performance.  
• Strong communication skills (written and oral) and the ability to articulate complex issues at an intuitive level. This includes research, analytical, interpretation and problem-solving skills
• Ability to think creatively - to challenge the norm and drive through solutions in the face of adversity and challenge.
• Ability to work with high degree of independence; Strong self-start initiative; Curious mindset for research
• Proven ability to apply credit and risk principles toward business goals
• Working experience in running projects within the Portfolio Management space which may include system changes, IFRS ECL implementation, digitisation etc
• Demonstrated ability to synthesize, prioritize and drive results with urgency

Ideal Job competencies

Technical  Competencies

• Leadership
• Financial Analysis
• Risk management
• Data Analysis
• Ability to rapidly produce insights and quality reports
• Strong problem solving and decision-making skills

Behavioural  Competencies

• Planning and Organising
• Action orientation
• Stakeholder engagement
• Commercial awareness
• Decisiveness
• Interpersonal skills
• Negotiation and influencing
• Communication and presentation
• Ability to build partnerships as well as working with diverse teams within different segments