PORTFOLIO MANAGER, RISK (SOUTHERN)
Company Name: Botswana Savings Bank
Reference Number
RISKBSB002
Key Responsibilities
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
Requirements
- 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.
- 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.
- 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
How to Apply
REF Code: RISKBSB002