Senior Analyst: Credit Risk at MTN

Job Description

• To take responsibility for, and ownership of, the development, deployment and management of the credit risk (acquisition and account management), fraud management & collections strategies relating to an evolving suite of digital banking Asset products within MTN’s Mobile Money landscape across the Groups African footprint.
• Key Performance Areas: Core, essential responsibilities / outputs of the position (KPA's)
• The Senior Analyst: Credit Risk will be accountable to achieve the following objectives:

Strategy Development and Implementation

• Support and contribute to the development of the sub-divisional strategy in line with overarching divisional goals with emphasis on client experience (internal and external) in the area of digital banking
• Ensure effective implementation of the strategy by means of providing direction, structure, frameworks, models, plans and roadmaps
• Provide support during the regular review of the functional strategy and roadmap to ensure its alignment with the changing dynamics of the internal and external ecosystem

Operational Delivery

• Development & evolution of income estimation / affordability models/methodologies (customer & product level)
• Development & evolution of Fraud Management capability to support the business against Fraud mitigation/risk, including working with
• Decision Science regarding the development of an evolving suite of Fraud models and the respective OpCos in defining velocity rules, etc.
• Be the custodian of and overlay credit risk policies and defining exposure limit management in line with empirical models & risk appetite (customer & product)
• Development and the performance management of the respective / related account management strategies i.e. limit increase/decrease, collections, risk-based pricing, including defining/deploying Champion/Challenger strategies as part of the Portfolio Management optimisation objectives.
• Understand Provisioning methodology and be able to work alongside Finance to construct methodologies and capability to execute monthly empirically based Provisioning levels at a Product/Portfolio level.
• Lead all related Credit Committee discussions, be it with internal or external stakeholders, where it relates to credit risk performance, i.e. origination, account management strategy performance and/or portfolio performance, including any/all policy/strategy related recommendations and motivations thereof.

Furthermore, play an integral role in working alongside:

• Product Development and Finance to ensure “fit for purpose” strategies and policies are developed to support the product roadmap,
• Decision Science in the definition, development and evolution of MTN’s Digital Banking prediction capability, and the optimisation thereof
• Portfolio Management from a risk-based pricing and portfolio optimisation perspective – ensuring alignment to business strategy, profitability and continuous credit risk management capability improvement.

Governance

• Ad-hoc, operational and tactical meetings
• Set up / participate in ad hoc operational meetings
• Participate and provide input into tactical meetings
• Report at process and functional level
• Credit Committee lead/owner at a Product, Portfolio and/or Funder level.

Escalations

• Manage and resolve escalations that have impact on critical path of service delivery
• Escalate issues that will result in significant time, scope, employee/customer or cost impacts if not resolved
• Manage and provide solutions to issues that require formal resolution

Job Requirements
Job Requirements (Education, Experience and Competencies)
Education

• Minimum of 3-year tertiary degree / diploma in a Financial, Commerce, Statistical, Credit Risk Management or related field
• Postgraduate qualification/ Certification in Credit Risk Management will be an added advantage

Experience

• A minimum of 5 years’ experience in defining, developing and deploying credit risk & collections (credit life cycle) strategies in a scalable/large scale Financial Services and/or Consumer Finance multi-country environment.
• At least 2-3 years’ experience within a non-traditional FinTech/Consumer Finance environment, leveraging traditionally unconventional data and insights to deploy and optimize multi-territory/multi-product credit risk strategies via mobile/telco channels.
• Experience in defining and project managing the technical and business implementation of credit risk strategies within a FinServ/FinTech environment, etc.
• Prior experience in Financial Services preferred, with experience within the telecom industry and with Mobile Money being an added advantage

Competencies

Functional Knowledge:

• Proficiency in FULL credit lifecycle Credit Risk Management “Best Practice” methodologies.
• Knowledge across a multitude of Asset products, specifically via the delivery thereof via non-traditional and traditional channels, leveraging Telco “big” data.
• Strong credit risk, fraud and collections knowledge, specifically relating to being innovative and “out of the box” in aligning “fit for purpose” products for the African market.
• Ability to design, define/specify and deploy credit risk management strategies across a multitude of geographies and products within geographies, including monitoring, managing and reporting on the portfolio performance thereof – in conjunction with other key functional areas of the business, namely: Decision Science, Product Management, Finance, Marketing, Portfolio Management.

Skills

Analytical
Conflict management
Continuous improvement
Data interpretation
Decision making
Delivery focused
Leadership
Negotiations
Relationship/People management
Presentation
Behavioural Qualities

• Adaptable
• Complete candour
• Culturally aware
• Emotional maturity (high EQ)
• Innovation
• Relationship building