The Ugandan Jobline

• To lead and guide PB Credit team in the
  execution of the standard processes for Origination & Evaluation and
  Account Management.
• To ensure that laid down policies,
  procedures are implemented and adhered to.
• Deploy and maintain standard people
  structures to deliver the approved PBB credit strategy and processes.
• Approval of credit within delegated
  authority.To actively participate in Credit risk management committee
  meetings and watch list committee meetings and to provide meaningful input
  into risk appetite discussions, portfolio management and collections
  strategies, as well as detecting and evaluating shifts or changes in key
  risk parameters and the effects of such changes on portfolios and
  relationships.
• Deploy capacity planning models to ensure
  adequate staffing to support growth and ‘business-as-usual
  operations.’  Where changes to
  capacity are required to improve adherence to credit policy / improve
  customer experience / etc, take appropriate action.
• Evaluating credit capabilities within the
  team and recruit, retain develop and deploy people with energy, passion
  and the appropriate technical competencies and skills.
• To actively monitor appropriate metrics
  across the credit life-cycle to ensure that the origination, evaluation,
  credit risk monitoring and rehabilitation and recoveries functions meet
  the highest standards in accordance with laid down policies and procedures
  and to guide and coach the respective teams on the best credit practices.
• To ensure that all internal and external
  reporting is completed accurately, on time and that appropriate value
  adding insights into the portfolio are provided so that both internal and
  external users of information have a deep and appropriate insight into the
  quality of the portfolio and the appropriateness of the processes.
• Analyze and manage the full cost of credit
  for the PB credit function
• Deliver robust, transparent and
  predictable credit losses within an agreed total cost (‘budget’) and ‘cost
  of credit’ framework.
• Regularly review process effectiveness and
  efficiency, and provide feedback to in-country management on a regular
  basis.
• Responsible for the implementation and
  adoption within the Business Unit of all Compliance, Anti-Money Laundering
  and Sanctions related requirements contained in policies, procedures and
  processes. This includes the consideration and approval of PEP on-boarding
  and continued business engagement in instances where no adverse
  information is available.

• The
  ideal candidate for the Stanbic Bank Senior Manager Personal
  Banking Credit job placement
  should preferably hold a Degree in Commerce or a related field
• Masters in Finance or a related field is
  an added advantage
• Professional Banking qualification,
• Credit / Risk related professional
  qualifications; or CA, CPA, ACCA, CIMA, CFA
• Eight to twelve years’ experience,
  including 2-5 years as a credit operations or portfolio manager in
  high-volume personal (e.g. retail) credit.
• Prior experience with credit workflow
  management tools and automated decisioning technology essential.
• Ability to identify and negotiate with key
  stakeholders to ensure the necessary buy-in and commitment to the success
  of the operating model.
• Ability to ensure that broader Business
  Unit and business strategy is taken into account and consensus with all
  stakeholders is reached on new developments.
• Ability to accurately read situations/the
  audience and appropriately adapt style in line with business needs.
• Ability to understand in-depth data analysis,
  trends, forecasts and reporting for use in setting the operational
  direction for the unit.
• Ability to coach, develop credit
  capability in country by providing on-going feedback, appraisal, and
  counselling.
• The ability to maximise performance of people
  within the team by appropriate people management skills.
• To identify and manage both key performers
  as well as to manage poor performance within the team is a gateway
  competency for this role.

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