Manager, Scored Lending at Standard Bank Group

JOB PURPOSE

• To source and transform data into information as input into effective credit portfolio insights and analytics for allocated PBB AR countries across multiple products/segments for the credit lifecycle for scored lending (e.g. originations, account management, collections) in line with PBB AR objectives.
• To automate relevant production reports to improve the reporting, data extraction and information preparation processes.

KEY RESPONSIBILITES

Business Requirements

• Sources appropriate data and prepares meaningful and accurate management information (MIS) for allocated portfolios to support Business, Operational, Credit and Finance Reporting.
• Collects and collates the appropriate data for report generation.
• Conducts in-depth analysis of user needs and prepares the appropriate reporting where required (based on urgency and priority)
• Executes all new reporting requirements.
• Provides the necessary big data where required based on business requirements.

Data Transformation and Reporting

• Validates data accuracy by performing standard reconciliation – remediates any data discrepancies or escalates for assistance where required.
• Optimises current reporting processes and provides input into the development of reporting processes to meet timelines.
• Automates relevant production reports to improve the reporting, data extraction and information preparation processes through using appropriate scheduling toolsets.

Reporting and Analytics process

• Extracts, stores, manipulates, processes, analyses and provides information for standardised and bespoke reporting.
• Continuously monitors and tests processes and data to detect errors in order to improve reporting efficiencies.
• Interprets data into information following collation of large sources of disparate data.
• Writes SAS/SQL coding in line with reporting requirements and as far as possible implements automated scheduling.
• Adheres to timelines for new and existing reporting requirements.
• Stays abreast of all changes of how the Customer Decision Engine (CDE) works to qualify and non-qualify customers for lending limits.

Trend Analysis

• Analyses portfolio trends and any changes thereof followed by a detailed investigation to determine the root cause extracts the relevant account level data as input into portfolio reporting.
• Identifies and highlights data quality issues that affect the accuracy of insights and analytics.
• Keeps up to date with insights and analytics best practice to ensure new and improved designs and products provide improved value to stakeholders.
• Identifies and reports any portfolio risk appetite breaches across the countries. Prepares reports on ROE portfolio performance for the countries.
• Reconciles all the daily/weekly/monthly reporting outputs and resolves any issues identified (such as operational issues).

Governance

• Adheres to approved toolsets when setting up portfolio management reports.
• Adheres to data governance principles as prescribed by the Enterprise Data Office (EDO).

Knowledge sharing

• Upskills business teams on principles of data extraction, transformation and visualisation.
• Shares knowledge and information on data coding with the Country and Head Office Teams.
• Tracks usage of measurement tools created.

Stakeholder Management

• Proactively communicates the progress of delivery of reporting requirements, where necessary.
• Discusses and negotiates timelines on reporting requirements (as it pertains to data) whilst ensuring regular standardised monthly requirements are still delivered (i.e. data extraction, manipulation and visualisation) and seeks line management approval where required if SLA’s could be breached.
• Manages and resolves escalated queries regarding data anomalies that are detected that impacts accuracy of reporting.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Commerce

Experience Required
Credit Risk – BCB

• Risk & Corporate Affairs
• 1-2 years Comprehend the contingencies that may occur under exceptional conditions particular pertaining to assets of large cooperate organsitions. Customer interaction contribute to the understanding amongst Branch Business Support, the turnaround times that will influence and initiate improvement.
• 3-4 years Knowledge of the Bank's systems, policies and procedures in order to optimally draw on available information to manage and control the post-credit granting process. Experience in credit data analytics within a personal and business banking environment with specific focus on the credit life cycle. Experience in (preferably credit) data exploitation and business intelligence development and implementation. Experience in the extraction, transformation and visualisation of data using bank approved toolsets e.g. SAS / SQL / Python / Qliksense.
• 5-7 years experience pertaining to credit risk management, understanding the Bank's products and facilities and where risks lay in these facilities. Strong knowledge of various legislative requirements, including registration processes.

Additional Information

Behavioral Competencies:

• Articulating Information
• Examining Information
• Exploring Possibilities
• Generating Ideas
• Interpreting Data
• Managing Tasks
• Meeting Timescales
• Providing Insights
• Taking Action
• Team Working
• Understanding People
• Upholding Standards

Technical Competencies:

• Banking Process & Procedures
• Compliance
• Creative Problem Solving
• Product and Services Knowledge
• Product Related Systems (Consumer Banking)
• Risk Identification
• Risk Management