PORTFOLION MANAGER, RISK – Botswana Savings Bank

Core Accountabilities and Responsibilities

Credit Risk Analysis & Portfolio Management:

• Monitor and analyse the bank’s credit portfolio performance, identifying emerging risks and trends.
• Develop strategies to optimize the credit portfolio, including risk-based pricing, portfolio segmentation and stress testing.
• Assess portfolio concentration risks and recommend diversification strategies.

Expected Credit Loss (ECL) Modelling & IFRS 9 Compliance:
• Develop, validate and maintain IFRS9 compliant ECL models to estimate bank’s credit losses..
• Work closely with Finance & Risk teams to ensure accurate provisioning and compliance with accounting standards.
• Conduct back testing and recalibration of models to improve accuracy.
• Provide insights on forward looking macroeconomic factors affecting credit risk and ECL estimates.

Credit Risk Monitoring & Reporting:
• Prepare periodic portfolio risk reports including risk exposures, impairments and performance trends.
• Track key risk indicators (KRIs) and ensure timely interventions for deteriorating credit segments.
• Develop dashboards and data visualization tools to present portfolio risk insights to senior management.

Stress Testing & Scenario Analysis:
• Conduct stress testing and scenario analysis to assess the resilience of the loan book under different economic conditions.
• Collaborate with Finance, Treasury and Economic Research teams to incorporate relevant market factors into risk models.

Regulatory & Stakeholder Engagement:
• Liaise with regulators, auditors and other stakeholders on credit risk related matters.
• Provide data and reports required for regulatory submissions, risk audits and external assessments.
• Support the implementation of regulatory changes affecting credit risk management.

Cross-Functional Collaboration
• Work closely with teams including Finance, Treasury, Credit & IT to ensure alignment of risk management practices.
• Support digital transformation initiatives including the automation of risk reporting and credit decisioning.
• Collaborate with Data Analytics teams to enhance predictive modelling and portfolio insights.

Qualifications:

Bachelor’s degree in finance, Economics, Statistics, Mathematics or related field.

Professional certifications such as Financial Risk Manager (FRA), Certified Financial Analyst (CFA) or Professional Risk Manager (PRM) are an added advantage.

Experience:

5 – 7 years of experience in credit risk management, portfolio management or financial modelling within a banking environment.
Strong expertise in IFRS9 and ECL Modelling.
Proficiency in data analytics tools such as SAS, Python, R or SQL.
Experience in risk reporting, stress testing and credit risk strategy formulation.

Competencies:

Strong analytical and problem-solving skills
Advanced quantitative modelling and statistical analysis capabilities.
Proficiency in risk management frameworks and regulatory compliance.
Ability to communicate complex risk concepts to senior management and non-technical stakeholders.
High attention to detail and ability to work under pressure