Risk Management: understanding all risks – from the economic to the political – that could affect our global business, and offering guidance to all parts of the bank

Job Purpose

To build, maintain and manage the end-to-end credit operation for PBB Credit incorporating all aspects of the credit life-cycle.  Responsible for day-to-day management of PBB Credit processes and people. Delivers a professional service against specific process measures aligned to the credit risk management KRAs, as well as Growth, Value & Advantage strategy for the PBB business.

Key Responsibilities/Accountabilities

• To lead and guide a team responsible for the execution of the standard processes for Origination & Evaluation, Credit Risk Management & Collateral, Rehabilitation & Recoveries.  Run the PBB “Credit Factory” in Country.
• 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.

• Develop 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 PBB Credit 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.

• Understand the full cost of credit for the PBB 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.
• Approval of credit within delegated authority.
• To actively participate in Credit Risk Management Committee meetings and chair Watchlist 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.

Preferred Qualification and Experience

• 8 – 12 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.
• A Business related Bachelor’s Degree; A Master’s Degree will be an added advantage

Knowledge/Technical Skills/Expertise

• A thorough knowledge and understanding of credit facilities and loan advances, lending criteria, credit policies, risk and financial analysis, credit control and the application thereof in developing markets.
• Credit analysis and risk management.
• Working knowledge of the banks operating system.
• Portfolio analysis and management.
• Understanding of collateral and of Country law and business practices and to apply this knowledge without compromising group standards or policies.
• Understanding of rehabilitation and recoveries and the value extraction advantage of maintaining actual credit to less than expected credit losses.
• “Three C’s of Intuitive Lending” + Scored Lending fundamentals + Account Management Practices + Rehabilitations & Recoveries Practices.