Portfolio Manager, Digital Lending – Credit Employment Opportunity – Stanbic Bank

Organisation: Stanbic
Bank
Duty Station: 
Kampala, Uganda
About US:
Stanbic Bank Uganda
Limited is a subsidiary of Stanbic Africa Holdings Limited which is in turn
owned by Standard Bank Group Limited (“the Group”), Africa’s leading banking
and financial services group. The Standard Bank Group is the leading banking
group focused on emerging markets. It is the largest African banking group
ranked by assets and earnings. Stanbic Bank Uganda Limited is the largest bank
in Uganda by assets and market capitalization. It offers a full range of
banking services through two business units; Personal and Business Banking
(PBB), and Corporate and Investment Banking (CIB).
Job Summary:  The Portfolio Manager, Digital Lending –
Credit will analyse risk to determine the qualitative and quantitative risk
exposures by means of qualitative impact studies and quantitative risk
modelling including scorecard data.  The incumbent is r
esponsible for
recommendations for proactive risk management decisions on losses, risk
exposures and risk financing techniques for Scored Personal and Business Loans
PBB.
Key Duties and Responsibilities: 
Credit Risk
Strategy and Framework development and deployment:
A strategic thinking role as a member of the
PBB Personal Loans Team and scored Business loans to contribute to formulation
of the strategic business direction of the Personal Loans Credit areas
  • Provide leadership to a diverse team of stakeholders to ensure that
    there is clear direction and a culture of empowerment, growth and
    learning.
  • Supporting the business partners in accordance with the Group’s core
    values, policies and procedures, through the sharing of knowledge,
    coaching and by assisting in improving the quality of risk.
  • Engage with our business partners by providing strategic input and
    insight from a risk perspective, to assist our business partners when
    formulating their tactics.
Optimise Risk
Profile:
Responsible for the
entire Credit Lifecycle for Personal and Business Loan Products, including;
  • Setting and Monitoring of the new business strategy within the
    agreed business unit’s growth and risk appetite objectives
  • Origination policies and the execution thereof
  • Collections and Recoveries strategies
  • Existing account management strategies
  • Driving in-depth analysis of customer value tests, campaign
    analysis, response propensity models, collections and bad debt performance
    etc
  • Devise and implement a range of champion / challenger strategies to
    continually test and learn to reach the optimum set of tactics to generate
    value
  • Providing input into Risk based pricing
  • Ensuring that Profit and ROE include appropriate credit risk and
    cost inputs
  • Devise and implement a range of champion / challenger strategies to
    continually test and learn to reach the optimum set of tactics to generate
    value
Management and
Reporting of the Credit Portfolio
  • Regular reporting of the portfolio performance
  • Proactive Identification and analysis of portfolio risks
  • Forecasting of Credit loss provision
  • Management of Internal and External Audit interactions
Stakeholder
Engagement:
  • Build and maintain credible relationships with internal and external
    stakeholders, including management, internal and external audit,
    non-executives, regulator as well as peers in local and international
    banks.
  • Relationship management in a complex matrix structure, across a multi-disciplinary
    environment with cross-functional stakeholders at all levels of the
    origination
  • Manage and Lead Credit function in business:
Together with the
PBB Head Credit and as part of credit MANCO team give input and support
to: 
  • The people strategy for the area with a focus on talent management,
    resourcing, development and retention.
  • Succession plans for key roles in the area. Support the Talent
    Review process
  • Interview and hire direct reports. 
    Support managers with their recruitment decisions on request.
  • The different operational areas under management to minimise
    duplication of effort, maximise efficiency and value for money.
  • Rebalance resources (people, budgets, equipment) between the
    different areas under management, but within overall approved resources
    for the year.
  • Contribute to the development of 2-3 year strategic plans for the
    area by providing a view on potential improvements in existing products,
    processes and services.  Provide
    clear direction to managers on the strategic plan and ensure their
    understanding and buy-in.
  • Take accountability for the overall achievement of goals in people
    matters, customer experience, financial performance, risk, compliance and
    governance.
  • Analyse effectiveness of cross-functional processes and systems in
    place in the area and identify areas for improvement.
  • Review performance against scorecards, change operational targets
    and processes to address any gaps.
  • Agree and manage services levels with internal clients.
Optimise economic
profit
  • Delivering the agreed credit loss ratio
  • Managing Risk appetite within agreed parameters
  • Proactive management of credit risk inputs into capital management.
Excellent
Consistent customer experience
  • Ensuring the credit functions meet agreed SLA to supported business
    unit.
  • Achieve agreed shift in Application scoring / intuitive lending to
    pre-approved instant lending
People management
  • Assist the product in achieving their business objectives and
    targets.
  • Maintain a high quality lending book through the judicious and
    effective management thereof to ensure that non-performing loan and credit
    loss targets are not exceeded.
  • Add value to Unsecured Lending – Loans by delivering a prompt,
    efficient and professional credit risk management service within agreed
    turnaround times.
  • Ensure risk/reward considerations are appropriately debated and
    agreed.



Qualifications, Skills and Experience:
  • The ideal candidate for the Stanbic Bank Portfolio Manager, Digital
    Lending – Credit job  opportunity should hold a Bachelor’s degree in
    business administration, economics or marketing from a recognized
    university
  • Advanced Excel; ACCA; and a qualification in Business Intelligence
    will be an advantage
  • Extensive knowledge and expertise in financial solutions within the
    financial services industry. Sound experience and
  • knowledge in Credit and Compliance matters
  • A sound understanding of business principles, macroeconomics,
    financial services and money markets.
  • A sound understanding of product management principles, including
    financials, pricing, marketing and sales.
  • Business acumen to understand and drive impact of actions on product
    economics
  • Strong analytical skills are essential
  • Attention to detail is essential
  • Knowledge and understanding of the risks and processes associated
    with lending using fixed assets as security for long term loans.
How to Apply:
All candidates who
wish to join the one of Africa’s biggest Banking Groups, Stanbic Bank in the
aforementioned capacity are encouraged to Apply Online by visiting Link below.
For more of the
latest jobs, please visit 
http://www.theugandanjobline.com or find us on our facebook page https://www.facebook.com/UgandanJobline

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