• Responsibility for the management of the portfolio(s) across the Credit Life Cycle in aggregate, which comprises of the following
– Product Planning
– Credit Initiation
– Account Maintenance
– Fraud Management
– Collections & Recoveries
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• Responsible for developing and adhering to business mandate and scale triggers for all products
• Setting of product risk appetite and strategies
• Policy formulation / circulars – owner of the portfolio Risk policies and Procedures and Manuals
• Provide input into developing and review of Portfolio modeling
• Analysis of management Information with appropriate recommendations to the Head of Credit
• Liaison with product/business managers and owners
• Initiate, agree and monitor Collection and Recoveries strategies
• Accountability for all Credit scorecard design, implementation and review
• Input into Junior Consumer Credit Risk staff Performance development
• Agree and be responsible for all change initiatives in portfolio
Education and Experience Required
• B-degree in (Field) (NQF level no.)
• (No. of years) years (Technical/Managerial) experience
Knowledge & Skills: (Maximum of 6)
Essential
– Comprehensive technical credit skills
– General commercial/industry awareness
– Working knowledge of Group policies and strategies relative to the credit function
– Product knowledge
– Detailed understanding / fit of the vision for Risk
– Detailed understanding of the Bank’s policies on Employment/Redeployment, Equal Opportunities and Health & Safety
– Working knowledge of local country structure and strategy
– Leadership and performance development of a team
– Managing risk and reward