Credit Risk Manager, Impairments and Insights at Standard Bank Group

JOB DESCRIPTION

To help us drive our success into the future, we are looking for a Credit Risk Manager, responsible for Impairments, MI & Reporting. This is an incredibly exciting opportunity to be a part of a fast-paced, dynamic team with on-going opportunities to be involved in numerous projects within the Home Services Credit portfolio.

Job Purpose

• To run and analyse the IFRS9 monthly impairments
• To inform & debate suggested IFRS 9 model changes, to ensure the principles are sound, but also optimal to our book
• Budgeting & rolling forecast modelling
• To inform key stakeholders with superior analysis to ensure the most efficient allocation of funds within the Home Loans retail credit environment
• Inform credit risk through certain analytics.  You will analyze Home Loans Credit and consumer credit data in order to report on current strategies and inform future strategy decisions and recommendations
• Consulting with key stakeholders that have analytical requirements, whilst proactively seeking to optimize the portfolio reporting by identifying and implementing value adding solutions and automation
• Ongoing optimization of reporting
• Sensitivity analyses and expected impairment model impact based on suggested credit strategies
• Extract data for the annual audit process and providing information for the annual report, including the SEE report

QUALIFICATIONS

Minimum Qualifications
Type of Qualification: Post Graduate Degree
Field of Study: Mathematics, Statistics, IT, Actuarial Science, Economics, Engineering, Finance; or any other relevant Business / MI qualification

Experience Required

• SAS / SQL / VBA / Other Coding Languages
• Advanced computer literacy skills with a high proficiency in MS Excel, Word and PowerPoint
• 2-5 years of experience in a reporting and analytical role

ADDITIONAL INFORMATION

Behavior Competencies

• Strong sense of responsibility and commitment to meet tight reporting deadlines
• Analytical skills and self-motivated driver of performance
• Performance-driven and results-orientated with a relentless drive to succeed
• Excellent interpersonal communication (verbal & written) abilities
• The ability to prioritise and multi-task, within a fast-paced and pressurised environment

Technical Competencies

• Building and evaluating forecast models for budgeting purposes
• Unpacking of the Impairment model & portfolio performance
• Monitoring the quality of the credit portfolio
• Data-oriented analysis to support business strategy optimization in credit
• MI and analytics