Senior Portfolio Manager-Insights at NCBA Group

Job Purpose Statement

This role is crucial for generating, communicating, and implementing credit portfolio management insights to ensure the quality and performance of the loan book across all customer segments of the Group/Bank, including Corporate Banking, SME/Business Banking, and Personal Banking. The role provides direct portfolio oversight for all countries in which the Group operates. Key responsibilities include:

• Generating and analyzing credit portfolio insights to ensure compliance with the Credit Policy, Banking Act, and CBK's prudential guidelines, and to identify and mitigate credit risks early.
• Monitoring and assessing the quality of the loan book, tracking asset quality metrics, and implementing necessary improvements.
• Maintaining a robust risk control environment and ensuring high-quality portfolio data on core banking and credit systems.
• Minimizing expected credit loss, portfolio at risk, and impaired assets through proactive management and strategic insights.
• Developing and communicating comprehensive credit risk reports (internal and external) and building credit risk monitoring dashboards to track performance against expectations.
• Ensuring audit and regulatory compliance objectives are met, including meeting targets for audit and regulatory inspection outcomes.
• Establishing and nurturing strong partnerships with Business and Business Support teams, as well as other Bank functions, to ensure cohesive portfolio management.
• Periodically reviewing and recommending changes to the Bank's Credit Policy, and continuously evaluating the effectiveness of established policies and procedures.
• Creating and presenting analytical reports and insights to key stakeholders and leadership, identifying reasons for variances from expectations, understanding changes in portfolio performance, and evaluating the impact on loss and profitability.
• Automating the generation of insights and tracking the value of insights produced to ensure efficiency and effectiveness in credit portfolio management.

Key Accountabilities (Duties and Responsibilities)

Perspective:

Weight (%) should add to 100%

Output:

Financial:

20%

• Generation and implementation of credit portfolio management insights.
• Tracking financial performance and credit loss metrics to ensure profitability.

Internal Business Processes:

40%

• Monitoring and assessing asset quality metrics.
• Ensuring high-quality portfolio data on core banking and credit systems.
• Implementing and tracking compliance with audit and regulatory inspection outcomes.
• Automation of insight generation and tracking the effectiveness of insights.
• Maintaining a robust risk control environment.

Customer:

30%

• Developing and communicating comprehensive credit risk reports.
• Building credit risk monitoring dashboards and tracking performance.
• Collaborating with Business and Business Support teams to ensure cohesive portfolio management.
• Ensuring customer satisfaction through high-quality credit portfolio management.

Learning and Development:

10%

• Creating and presenting analytical reports to key stakeholders.
• Identifying reasons for variance from expectations and understanding changes in portfolio performance.
• Developing competence in credit portfolio management and performance analytics.
• Tracking and ensuring the value of insights produced.

Job Specifications

Ideal Candidate

Academic:

• University degree (Upper Second Division or equivalent) in Finance, Business, Economics, Statistics or a related field.

Professional:

• Relevant professional qualification in Banking, Accountancy, Credit Risk Management, or Financial Analysis (e.g., CFA, CPA, FRM).
• Additional certifications in data management, data analytics, or related IT programs are a plus.

Work Experience:

• Minimum of 5 years’ experience in the banking sector, with at least 3 years in portfolio analysis or credit risk management roles.
• Demonstrated experience in financial analysis and credit portfolio management.
• Proven proficiency in IT data management, data mining programs, and financial analysis tools.
• High proficiency in spreadsheet tools (e.g., Excel) and in presenting data effectively.

Job Dimensions

Relationships: Jobs that report to this position

Direct Reports:

• Portfolio Analyst
• Portfolio Officer
• Indirect Reports:
• Portfolio Intern