Monitoring of the end-to-end credit lifecycle across lending products for Retail and Relationship Banking and Rest of Africa, to provide oversight and optimise the quality of the credit portfolio.
Job Responsibilities
- Provide support to the Senior Manager of the Unit with regards to the critical monitoring, analysis, organization of and reporting on Credit Risk related matters for Segment Credit Committee and Cluster Credit Committee in Retail and Business Banking, and Rest of Africa.
- Interact with stakeholders to deliver monitoring results and recommendations.
- Monitor quality of the credit lifecycle processes, evaluate whether credit policies are correctly implemented and whether policy guidelines are adhered to.
- Perform robust post approval/disbursement checks through statistical as well as sampling methods.
- Ongoing monitoring of trends, factors and implications that might impair credit quality, focus on Collections and Recoveries processes that impact quality of loan book.
- Develop Machine Learning models to perform efficient monitoring of credit policy adherence.
- Provide analytical support to the greater team with regards to credit related queries within acceptable timeframes.
- Ensure collaborative working relationships through regular, honest engagement with managers and team members.
- Ensure business effectiveness by providing input into systems, processes and policies.
- Understand and embrace the company Vision and Values by leading by example and re-enforcing values during meetings.
- Contribute to a culture conducive to the achievement of transformation goals by participating in company Culture building initiatives (e.g. staff surveys etc).
- Create a client service culture through various required interventions.
- Encourage team to generate innovative ideas and share knowledge.
- A minimum of 3 years Credit Risk Analysis work experience within Retail and Business Banking and specifically, the Credit Risk Environment
- Understanding of banking regulations, specifically the role of the NCR, the SARB as well as BASA
- Data analytics and management software skill (SAS, Python, Netezza etc)
- Bachelor's degree in Statistics, Economics or Econometrics, Finance, Mathematical Sciences or Engineering
- BSc. / B. Eng. / BCom Hons degree
- Business administration and management
- Change management
- Client service management
- Communication Strategies
- Consumer behaviour
- Financial Accounting Principles
- Governance, Risk and Controls
- Strategic planning
- Management information and reporting principles, tools and mechanisms
- Diversity management
- Earning Trust
- Coaching
- Communication
- Continuous Learning
- Customer Focus
- Delegation and Empowerment
