Job Title: Head Portfolio Reporting Credit Finance/MIS
Employer: Stanbic IBTC Bank Plc
Parent Company: Standard Bank Group
Sector: Banking and Finance
Job ID: 11454
Location: Lagos, Nigeria
Division: Group Risk Management
Position Category: Credit
Employment Type: Full Time – Permanent
Shift: No
Regulatory Approval: Yes
Main Purpose of the Job: To Lead a team of people responsible for creating and maintaining a robust management information platform & process, producing accurate, timely and meaningful MI to meet regulatory & other requirements and assisting credit leadership team with business decisions, and providing credit analytics to inform credit policy.
Key Responsibilities:
Creation & Maintenance of a robust MI platform & process;
• Analysis & documentation of Credit MI needs of all stakeholders – Board, EXCO, Head Office, Regulatory Authorities, team Leadership etc and creation of a platform & process to meet these needs on a sustainable basis
• Creation of MS Excel and MS Access Databases to supplement Bank systems where there are gaps
• Recommending appropriate software where appropriate
Producing accurate, timely and meaningful MI and Reports;
• Oversee the production of all MI required to adequately manage credit risk in the Bank
• Ensure that reports and returns to all stakeholders are accurate and reach recipients before agreed deadlines
• Ensure ongoing availability of accurate, 'real time' management information covering 'flow' and 'stock' measures
• Support objectives performance appraisal in all areas by providing workflow measurement and turnaround monitoring systems and MI on a regular basis
Provide Modeling and Analytics Expertise;
• Build capacity within credit for effective trend analysis, modeling and analytics
Key Performance Measures:
• Production of accurate MI in a timely manner on a sustainable basis
• Availability of robust workflow and turnaround management tools across all segments and the entire credit life cycle
• Availability of world class Management and Board Information Packs
• Availability of tracking mechanisms for leading , coincident and lagged portfolio indicators
• Application of analytics to make better credit policy choices, achieve asset growth and lower than industry average credit losses on portfolio
• Achieving the PBB asset growth targets
• Achieving the PBB provisions budget
Important Relationships:
• Head, CIB Credit
• Head, PBB Credit
• Country Credit Committee
• Finance
Required Competencies:
Problem Solving, Planning and Decision Making:
Problem Solving;
• Collects, compiles and analyses an appropriate set of financial and other relevant data to identify trends, establish relationships among variables , quantify and evaluate the risks and benefits of alternative policy rules and makes recommendations
• Evaluates the pros and cons of policy proposals and their impact on relevant metrics such as asset growth, delinquency, provisions etc
Planning;
• Proactively drives review process of existing policy rules across the crdit life cycle i.e.origination, account management and collections
• Detects and evaluates shifts or changes in key risk parameters in a business relationship or industry and evaluates the implications of such changes on continued business dealings
• Uses leading indicators to identify potential problems and influences planning decisions accordingly
Decision making;
• Proactively recommends appropriate 'campaigns' and 'experiments' to maximise profits from the lending portfolio
• Drives decision making around product programs, pricing decisions and product design in the PBB
Knowledge, Experience and Personal Competencies:
Knowledge;
• Detailed understanding of portfolio performance metrics, their measurement and interpretation including vintage analysis
• Working knowledge of core banking systems
• Thorough conceptual and practical knowledge of data mapping and database query tools and report design
Experience;
• At least 3 years relevant experience within an analytics environment
• Exposure to bank lending environment will be an advantage
Personal Competencies;
• ADAPTABILITY: Must be able to adapt to and accept change; opposing views; new ideas; be imaginative and creative
• NUMERACY AND ANALYTICAL THINKING: Must have the capacity to work with numbers and figures, as well as to collect, process, analyse and integrate "the pieces of the jigsaw" into relevant, factual outcomes or conclusions.
• WRITTEN COMMUNICATION: Must have the ability to convey information by means of written instructions in accurate, clear, concise and understandable manner in order to maximise comprehension of the message.
• JUGEMENT: Must have the ability to evaluate and judge situations or alternate strategies actions and outcomes against rational, logical assumptions
• COACHING: Must have the capacity to develop followers by providing them with simple and clear instructions, demonstrations and by systematically exposing them to planned but increasingly challenging tasks, combined with ongoing feedback, appraisal, counseling and other tangible rewards.
• DECISIVENESS: Must show readiness and ability to make decisions, render judgement, take action and apply corrective measures whenever the situation demands.
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