Job Description

Do you take a hands-on approach as a Credit Risk Manager? Are you that individual who puts their ego aside and gets stuck in, collaborating with your team to deliver results together? Your experience is top-notch and it's important to you that your work has purpose and makes an impact for good... Keen to broaden your skills by being an end-to-end portfolio owner, responsible for Credit Risk across the lifecycle? If you feel like you just read a description of yourself and your value add, keep reading... A growing African Fintech, focused on driving financial inclusion for all - is on the hunt for a hands-on, ethical and innovative Credit Risk Manager whose strength is analyzing credit data within an acquisitions role/ environment. Role purpose

• 
  Unsecure Loans Portfolio: responsible for the management of Credit Risk across the lifecycle
  
• provide the strategic direction for the portfolio
• In-depth portfolio analysis
• Utilises insights gained from analytics to inform decision-making related to credit strategy
• Utilises insights gained from analytics to determine the effectiveness of previous strategies implemented

This is a hands-on role so be prepared to roll up your sleeves and get into the detail! Key Responsibilities

• Develop, implement, and monitor credit strategies across the credit lifecycle for unsecured loans (small value, short term loans). These will include but are not limited to cut-off strategies, risk-based pricing and limit allocation strategies and collections strategies.
• Undertake in-depth credit risk analysis across the lifecycle and produce insights and value adding monitoring on a monthly and ad hoc basis
• Monitor and evaluate credit risk strategies implemented to ensure that they are within risk appetite
• Devise and set-up champion challenger strategies and monitor the effectiveness thereof
• Run the monthly impairment model and produce the related provisioning paper for discussion and sign-off by the key stakeholders
• Enhance the existing monthly and ad hoc reporting to identify trends, improve insights into the portfolio and drive Credit strategy as a result
• Provide direction and guidance to cross-functional teams to ensure that credit strategies and models are implemented as expected and obtain the desired outcome

Qualifications

• BCom Honours in Economics, Finance, or related disciplines or alternatively a BSC Degree in Statistics or Mathematics (Quantitative degree) or equivalent.
• 5 Years + working in a Credit Risk environment preferably in an acquisitions role and at management level (note that management experience can be less than 5 years).

Key requirements:

• The ability to operate both at a strategic and operational level
• Good stakeholder management ability and the ability to develop relationships across senior and junior levels
• An innate drive to succeed and a passion for credit as a tool to improve the lives of the poor
• Commercial savviness and the ability to balance the risk/reward equation

Experience

• Analytical skills (ability to extract and analyse large volumes of data)
• Coding skills (SQL, SAS, Python or related skills)
• Model building skills (provision and scoring models would be advantageous)
• Credit strategy development skills
• Presentation development (PowerPoint)
• Presentation skills
• The ability to solve potentially complex problems and communicate the problem and outcome in a simplified manner, detail orientation and excellent verbal and written communication skills.

Advantageous

• Experience and exposure across the other parts of the Credit Risk lifecycle (Existing Customer Management, Collections Strategy and Provisions) would be advantageous.
• Any experience in Fraud or Compliance analytics would also be advantageous.

Highly competitive and market related salary awaits! *NB* This dynamic team works in-office position based in Rosebank.