Openings at Standard Bank Group

Job Purpose

As a Collections Strategy Manager, you will be required to perform data analysis, forecasting and generating monthly and ad-hoc management information.

In carrying out this role, you will be responsible for the PPB credit portfolio (Both Digital and Conventional) and management of the entire collections cycle comprising:

• Pre-delinquency Strategy
• Collection/Recoveries Strategy
• Fraud Management
• Collections Analytics and Insights

Key accountabilities

Collection Strategies

• Design bespoke data driven collection strategies to be applied at various stages (Pre-delinquency, Delinquency, Recoveries).
• Ensure collection strategies have been implemented on the collection system and executed as per expectation.
• Track collection activities and outcomes to determine need to refine collection strategies applicable.
• Implement and monitor effectiveness of collection model and strategies.
• Deploy champion challenger initiatives to optimize collection outcomes and foster collection innovation.
• Feedback to credit on collection insights to facilitate enhancements on origination strategies.
• Building and evaluating forecast models for future defaults and roll rates

Management Information (MI)

• Produce complete, relevant, and timely portfolio MI relating to the delinquent and collection portfolios.
• Ensure MI reported to Group is consistent and uses the Group defined metric definitions. For local MI ensure clear understanding of definitions and metrics used.
• Identify and distribute to all relevant stakeholders
• Establish a regular forum for discussion of MI with appropriate Terms of Reference. Regular meetings should be documented and the MI should be, at least, sufficient for the forum to discharge its responsibilities
• Establish direct feedback loops to all relevant decision points across the transactions cycle.

Resource Management

• Develop and implement a process for identifying capacity planning requirements, both the number of staff and appropriate skill sets to effectively support Head of Collections to determine appropriate resourcing levels.
• Compliment the Head of PPB Collections in establishing a process to monitor and manage third party resource.

Main Accountabilities and approximate time split

80%          

• Ensuring all areas for which you have responsibility of as identified above are taken care of.
• Analyze and interpret customer data relating to Collection processes.
• Communicate analytic results to both technical and non-technical audiences, to inform best decision outcomes.
• Be responsible for the successful design, development and implementation of any Collections and Recoveries strategies for the portfolio products, ensuring that the benefits of such strategies are driven out and maximized and change embedded into the operations.
• Manage service level agreements with internal teams.
• 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, influencing and negotiation to deliver on strategic objectives with collaboration across departments and geographies.
• Responsible for the collection data integrity and adherence to the data governance requirements and structures (Data validations, clean ups, data refreshers etc.)

20%

Personal development and training as outlined below:

• Data Analytics
• Communication, Negotiation and Influencing
• Strategic planning
• Customer Relationship Management

Qualifications

Minimum Qualifications
Type of Qualification: First Degree

• Field of Study: Banking, Finance, Commerce 

Experience Required
Credit Risk – PPB

• Risk & Corporate Affairs
• 5 to 8 years’ experience in Collections and /or Collection strategy
• To manage compliance and mandated process and procedures within a collection’s environment. Extensive experience in all aspects of Early - and Late arrear (supplier) collections and knowledgeable in the legal environment.

Additional Information

Behavioral Competencies:

• Developing Strategies
• Directing People
• Examining Information
• Exploring Possibilities
• Generating Ideas
• Interacting with People
• Interpreting Data
• Making Decisions
• Producing Output
• Providing Insights
• Taking Action
• Team Working

Technical Competencies:

• Capacity Management
• Compliance
• Financial Acumen
• Product and Services Knowledge
• Recoveries
• Verbal Communication

go to method of application »

Job Purpose:

To create and manage a multi-disciplinary insights and analytics team that partners in the design and delivery of personalized client conversations for BCB Clients, country. To design, develop and execute a client conversation portal (e.g. NBA) enabling bankers to have contextually relevant and meaningful conversations with clients.

Outputs:

• Accountable for risk management and adherence to all governance standards for the continued sustainability of the BCB Clients, SA segment.
• Adhere to various domain guidelines.  Collaborate with other segments, Client Solutions, Innovation, platform enablers and Corporate Functions for the enablement of multi-products and services.
• Commercialise developed insights and analytics.
• Continuously scan the external environment in order to keep abreast with new developments in partnerships, business and technology.
• Create in-province champions and ownership in driving effective provincial adoption of insights, triggers, and platforms.
• Define and implement remedial actions in collaboration with country, other segment heads and Client Solutions.
• Define and implement the financial outcomes required for BCB Clients SA Personalisation in line with BCB Clients requirements and in close collaboration with domain heads, Innovation and Platform enablers.
• Deliver on the Group’s shared purpose and instilling a culture which enables the Group to evolve into a client led platform organization.
• Demonstrate leader-led direction and behaviours to enable successful transformation of the Personalisation capability into the new business model.
• Develop appropriate recovery and resolution plans to protect segments client journeys’ data from any untoward event.
• Develop client risk appetite based on the defined framework which is signed off by BCB Clients, SA in conjunction with Risk.
• Develop new real-time use cases to cater for time sensitive requirements of clients.
• Develop, define and analyse metrics on usage, acceptance, value add and market specific nuances to client in collaboration with capability heads, countries, Innovation and platform enablers.
• Develop, productionalise and maintain statistically robust and accurate campaign models to facilitate conversations in main markets, take-up optimization across acquisition, retention, right-sell, and cross-sell interventions.
• Direct product / customer engagement campaigns based on contextual relevance, right time and right channel.
• Drive and entrench a consistent client experience through all engagement platforms.
• Drive Customer Conversations Portal (NBA) front-end re-design with improved user experience / visualization for both Relationship and Main market segments.
• Drive satisfactory audits and ensures that there are no repeat unsatisfactory findings as gauged by operational losses.
• Drive scalability of user experience design based on digital and physical integration points around product, campaigns and go-to market timelines (must take market relevance into consideration).
• Embed Group culture initiatives (e.g. Vuka, Care and Growth) in Trade and Africa China Banking, BCC Country.
• Provide country data, analytics and insights and approach to help understand and measure scalability, uptake and investment on product through user experience design.
• Provide input into financial and non-financial metrics (e.g. client attrition, profit growth and return on investment, etc.) for countries.
• Provide input into other ecosystems in order to provide our clients with convenient access to a range of diverse products and services.
• Provide input into talent strategy developed by People and Culture.
• Provide original and innovative thinking, informed by deep customer understanding, in solving for customer conversations.
• Set the example and lead the team in line with the Group’s leadership identity, core values and People Promise.
• Set the example in line with the Group’s leadership identity, core values and People Promise.
• Stay abreast of market and competitive developments in order to provide input to innovative and value-added services to gain market share.
• Strike a balance between the provision of analytics for rapid turnaround (e.g., campaigns) and longer term (e.g., value driven analytics for identifying ideal customer).
• Strike a balance between the provision of analytics for rapid turnaround (e.g., campaigns) and longer term (e.g., value driven analytics for identifying ideal customer). Provide original and innovative thinking, informed by deep customer understanding, in solving for customer conversations.  Demonstrate leader-led direction and behaviours to enable successful transformation of the Personalisation capability into the new business model.
• Track and monitor the client conversation portals in country in order to provide input and insights to shape personalisation for BCB Clients, country.
• Track and report on adoption and provides feedback to relevant domain owners and capabilities.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Mathematical Sciences
• Type of Qualification: Post Graduate Degree
• Field of Study: Business Commerce

Experience Required
Personalisation, BCB

• 8-10 years Proven experience in deep quantitative, analytics, and modelling environments with proven track record on delivering both customer and commercial outcomes. Proven track record in customer insights and analytics environment with end-to-end accountability on translating data in to insights and translating the derived insights in to actionable customer conversations delivering both customer and commercial outcomes.

Additional Information

Behavioral Competencies:

• Developing Strategies
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Generating Ideas
• Making Decisions
• Producing Output
• Pursuing Goals
• Showing Composure
• Taking Action
• Understanding People
• Valuing Individuals

Technical Competencies:

• Business Acumen (Audit)
• Economic Capital Management
• Financial Acumen
• Financial Analysis
• Risk Identification
• Risk Reporting
• Risk/ Reward Thinking

go to method of application »

Job Purpose;

To implement, enable, scale, entrench, engage and commercialize the Africa China Banking sector value proposition and business life journeys in country in collaboration with other Segments, Client Solutions, Engineering and country stakeholders through the client engagement platforms.

Job Specifics;

Business accountability: Impact on end result

• Jobholder needs to implement, enable, scale, entrench, engage and commercialise the Africa China Banking value proposition and business life journeys in country (manages its associated profit and loss). Leverages client analytics and data to inform changes in the value proposition, priorities and building of client relationships.  Accountable for successful delivery of client experiences, client growth and financials.

Accountability for problem solving

• Jobholder needs to work closely with multi-disciplinary teams across the client value chain in order to solve for client needs.  Jobholder needs to understand a client’s holistic needs in order to provide solutions that meet their needs (beyond traditional banking) through the delivery of other ecosystems/ partnerships. Needs to demonstrate leader-led direction and behaviours to enable successful transformation of the Africa China Banking sector into the new business model. Jobholder must remain mindful of the highly complex Chinese businesses, cultural and political dynamics as well as challenging trade dynamics between country and China.

Accountability for planning of activities

• The planning horizon is at a minimum of 12-month cycles aligned to annual planning cycles. Medium and long-term planning will be required to deliver the Business and Commercial Clients, Country objectives.

Discretion allowed for decision making

• Makes decisions on how to implement and customise the Africa China Banking value proposition in country. Joint decision making with multi-functional teams for the delivery of segment proposition in local market. Adheres to various domain guidelines.  Makes client level pricing and risk decisions within framework. Joint decision making on goals and objectives for multi-functional squads within Client Coverage teams.

Qualifications

Minimum Qualifications

• Type of Qualification: First Degree
• Field of Study: Business Commerce
• Type of Qualification: First Degree
• Field of Study: Finance and Accounting

Experience Required
Relationship Banking (Client Coverage)

• Business & Commercial Clients
• Years: More than 10 years
• Experience Description: Experience in developing, designing and enabling segment value propositions. Experience in structuring or evaluating credit and international trade solutions. Experience in dealing with the public sector related to business/trade as well as the Chinese community is preferred.  Experience with products and processes across multiple segments and platforms. Strong understanding of digital, open banking and platform integrations.

Additional Information

Behavioral Competencies:

• Developing Strategies
• Directing People
• Embracing Change
• Empowering Individuals
• Establishing Rapport
• Making Decisions
• Providing Insights
• Pursuing Goals
• Showing Composure
• Taking Action
• Understanding People
• Valuing Individuals

Technical Competencies:

• Economic Capital Management
• Financial Acumen
• Process Governance
• Risk Identification
• Risk Reporting
• Risk Response Strategy
• Risk/ Reward Thinking