Job summary

Cape Town, South Africa, Africa
Career Level:
Mid Career (2+ years of experience)
Job type:
Full time

Credit Portfolio Manager (Cape Town)(Ref 117)

About this job
Overview To optimise the medium term profitability of their specific unsecured personal loans portfolios by setting the appropriate credit risk appetite strategy, including: Terms of Business Scoring and Policy Rule Strategies Appropriate bad debt targets Pricing and Profitability   Requirements B.Com, B.Bus Sci, B Eng, B.Sc  B.Sc / B.Com / Honours / Masters degree in Mathematics, Statistics, Economics, Finance, Financial Risk Management, Quantitative Risk Management, Actuarial Science or equivalent Analytical mind set Good written and verbal communication skills Attention to details Strong ability to interpret data , communicate this to and influence key stakeholders   Experience       Portfolio Management Formulate, monitor and review profitability, provisioning, production, and credit quality targets for each portfolio. Monitor the risk and profitability performance of each portfolio, total customer exposure, early settlements, as well as customers’ external exposure to credit. Communicate findings and make recommendations to key internal and external stakeholders. Conduct trend analysis on the portfolios to identify opportunities for growth and appropriate collections and recoveries strategies. Optimise and make recommendations on the Terms of Business, scorecard types, scorecard cut-offs, scorecard vendor (if external) bad debt levels and portfolio profitability Reporting and Analytics Prepare and present all reporting to internal and external stakeholders Work closely with scoring and modelling analytics as business owners of all models. Ensure alignment and manage expectations with brand performance owner(s) in terms of portfolio performance (including risk drivers, bad debt and production levels). Make recommendations to the brand performance owner(s) based on findings from analysis, monitoring and reporting. Strategy Initiatives Initiate appropriate Champion / Challenger strategies and use the results to inform tactical decisions that optimise portfolio performance Coaching and mentoring Mentorship and development of junior analysts may be required from time to time.

Duties Budgeting and Tracking Accountable for performance, including all risk drivers and bad debt of the portfolio relative to agreed targets. 5 years - Analysis, retail credit risk, reporting and modelling experience within a consumer based portfolio environment such as credit risk portfolio performance or customer value management. 2 years - Working knowledge and experience in using data analysis software packages such as SQL or SAS is essential5 years - Knowledge of the credit industry and credit life cycle management is essential5 years - Good working knowledge of MS Office
Job keywords/tags:  5 years - Analysis , retail credit risk , reporting and modelling experience
Developed by Figo Mago at
You are here: Home