Credit Portfolio Manager

1 week ago

Johannesburg, Gauteng, South Africa Job Crystal Full time

Job Title:

Credit Portfolio Manager Area:

Johannesburg, GP A digital bank with a strong entrepreneurial identity and a high-performance culture is looking for a Credit Portfolio Manager to play a pivotal role in assessing, analysing, and mitigating credit risks within the company's portfolio of lending products.

They will gain experience across multiple lending products currently offered by the organisation.

They will have the ability to influence and contribute to all aspects of credit risk for the firm's lending portfolio.

This includes the management and defining the risk appetite, ensuring that credit processes and solutions are effective, that adequate controls are in place and that portfolios are controlled within the defined risk appetite.


Location:

Johannesburg, South Africa DUTIES AND RESPONSIBILITIES Monitor the performance of the company's credit portfolios, identifying trends and potential risks, and recommending appropriate risk mitigation strategies Managing the strategic direction of the portfolio to maximising risk adjusted returns Prepare and present reports to senior management, highlighting key risk metrics, trends, and recommendations Managing model risk for the company's credit portfolio Help drive RDARR compliance and ongoing improvements for the organisation Contribute to the efficacy of credit processes in the organisation and help shape the credit risk appetite levels Ensure optimal credit cut-off strategies are in place to optimise the profitability of the credit portfolios over the medium to long term Ensure the Credit Risk framework and related credit policies are aligned to regulatory developments, appropriate and effective, aligned to the overall objectives and strategic direction of the company and that portfolio and concentration risks are proactively managed Contribute to the development and implementation of credit risk strategy across the credit lifecycle Contribute towards ensuring that business lending plans for the organisation are appropriate and on track to deliver against expectations.

This is done by reviewing and providing input to budgets, business cases, new credit products, pricing, target market criteria, credit marketing and advertising material, process changes, etc Have a thorough understanding of models that calculate the PD, EAD and LGD for both impairments and capital in the portfolio to ensure that appropriate capital and impairments are held on the portfolio Implement and monitor credit limit increase and decrease strategies on the existing portfolio to optimise profits Ensure effective, fit for purpose monitoring and accurate reporting for all products within the company's credit portfolio Provide input to optimise customer payment strategies to prevent delinquency Assist, as necessary, in other areas of the company or on certain committees where skills may be appropriate i.e.

ALCO REQUIREMENTS Bachelor's degree in mathematics, statistics, data science, or a related quantitative field preferably with a suitable post-graduate qualification.

3-5 years' experience in credit risk management. Experience across the credit value chain would be a strong advantage.

(Unsecured Consumer and SME Credit portfolios preferable) Excellent communication and presentation skills, with the ability to convey complex concepts to non-technical stakeholders.

Good interpersonal, communication and relationship building skills Analytical and critical abilities Disciplined and results orientated Ability to work independently and drive initiatives with enthusiasm Strives for continual learning and self-development Solution driven with the ability to explore new ideas and be open to innovation

License/Certification:

  • Drivers License (preferred)

  • Senior Manager: Credit Portfolio Management

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Job Overview Business Segment: Business & Commercial Clients Location: ZA, GP, Johannesburg, Baker Street 30 The Senior Manager: Credit Portfolio Management will be responsible for (Business Lending, CAF, Fleet/WSF, Specialised Portfolios).To ensure that the allocated BCB SA portfolio performs within risk appetite, impairments are managed appropriately and...

  • Portfolio Manager, Credit Analytics

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Business Segment: Personal & Private Banking Location: ZA, GP, Johannesburg, Baker Street 30 To inform key stakeholders with superior analysis in order to ensure the most efficient allocation of funds within the retail credit environment. Manage credit risk and related projects, and work with a team that is responsible for the health of the credit...

  • Portfolio Credit Analytics Manager

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Business Segment: Personal & Private Banking Location: ZA, GP, Johannesburg, Simmonds Street 3 To develop, maintain and enhance end to end strategy design of a Lending product across the credit life cycle.To inform key stakeholders with superior analysis in order to ensure the most efficient allocation of funds within the retail credit environment.Manage...

  • Portfolio Manager- Retail Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job SummaryTo...

  • Manager, Credit Portfolio Reporting Risk Management

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Manager, Credit Portfolio Reporting Risk Management Job Overview Business Segment: Group Functions Location: ZA, GP, Johannesburg, Baker Street 30 To identify, measure and report credit risks arising from the Group's global business across client segments and client solutions to appropriately manage credit risk in accordance with the requirements of the...

  • Manager, Credit, Customer Portfolio

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Business Segment: Personal & Private Banking Location: ZA, undefined, Johannesburg, Simmonds Street Devise data driven strategies provide sustainable rehabilitation to financially distressed Customers.Devise data driven strategies to identify Customers that are not yet in distress but have the potential to go into distress within a period of one to six...

  • Manager Credit Risk Portfolio Management

    1 week ago

    Johannesburg, Gauteng, South Africa Nedbank Full time

    Job Req Closing Date- 20 January 2023- Career Stream- Credit CollectionsLocation SandtonJob PurposeResponsibilities**: Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS). Manage performance Manage performance and efficiency of the team (where applicable) by conducting on the...

  • Senior Credit Manager: Special Portfolio

    1 week ago

    Johannesburg, Gauteng, South Africa Nedbank Full time

    Job Purpose The Senior Credit Manager will need to demonstrate proactive management of high risk clients understanding client's businesses, setting appropriate client strategies, solution driven which combined actions translate into customer retention and rehabilitation without compromising the bank's risk. The purpose of this role is to effectively and...

  • Manager, Client Portfolio, Fixed Income And Credit

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Manager, Client Portfolio, Fixed Income and Credit Job Overview Business Segment: Corporate & Investment Banking Location: ZA, GP, Johannesburg, Baker Street 30 As a Fixed Income and Credit specialist, proactively manage and provide specialist sector relevant pricing and portfolio management of clients, ensuring that client needs are understood and...

  • Credit Executive: Special Portfolio

    1 week ago

    Johannesburg, Gauteng, South Africa Nedbank Full time

    Job Purpose Lead a team of managers to proactively manage high risk clients across differing industries understanding client's businesses, maximizing customer retention and rehabilitation, without compromising the bank's risk and minimising credit impairments. The purpose of this role is to effectively and efficiently manage a portfolio of high risk...

  • Manager Credit Risk Portfolio Management 1

    1 week ago

    Johannesburg, Gauteng, South Africa Nedbank Full time

    Job Req Closing Date- 31 December 2023- Career Stream- Credit CollectionsLocation SandtonJob PurposeResponsibilities**: Approve annual review of facilities by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided. Analyse/Assess individual...

  • Audit Portfolio Manager: Credit Risk

    1 week ago

    Johannesburg, Gauteng, South Africa Nedbank Full time

    Requisition Details & Talent Acquisition ConsultantREQ Tshego SemenyaLocation: JohannebsurgClusterGroup RiskCareer StreamAuditingLeadership PipelineManage Self ProfessionalPositionAudit Portfolio Manager: Credit RiskPURPOSE OF GROUP INTERNAL AUDIT (GIA)The purpose of GIA is to provide independent, objective assurance to the Nedbank Group Limited Board of...

  • Manager, Credit

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Business Segment: Corporate & Investment Banking To manage a portfolio of counterparty credit risks associated with lending, trading, and investing activities, with the primary objective of assessing and managing risk within acceptable parameters as well as manager a team of other Credit Analysts.Coordinate and ensure that the post-approval implementation of...

  • Manager Portfolio Management

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Empowering Africa's tomorrow, together one story at a time. With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job SummaryThe...

  • Credit Risk analyst

    1 week ago

    Johannesburg, Gauteng, South Africa Credit Link Placements Full time

    The overall purpose of the job is to assess and mitigate risk by carrying out a comprehensive and quality credit risk function by analyzing the client's business, financial statements, and management accounts in order to provide a recommendation on new accounts and existing accounts annually. · Record new account information in the new accounts register...

  • Manager - Portfolio Oversight

    1 week ago

    Johannesburg, Gauteng, South Africa Absa Bank Limited Full time

    Bring your possibility to life Define your career with us With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.Job SummaryResponsible...

  • Manager Credit

    1 week ago

    Johannesburg, Gauteng, South Africa Standard Bank Of South Africa Limited Full time

    Business Segment: Corporate & Investment Banking Location: ZA, GP, Johannesburg, Baker Street 30 To manage a portfolio of counterparty credit risks associated with lending, trading, and investing activities, with the primary objective of assessing and managing risk within acceptable parameters. Qualifications Minimum Qualifications Type of Qualification:...

  • Credit Risk Manager

    1 week ago

    Johannesburg, Gauteng, South Africa Performability Full time

    The Credit Risk Manager is responsible for the management of Credit Risk across the life cycle of the unsecured loans portfolio. This not only includes being able to provide the strategic direction for the portfolio but also being able to undertake in-depth analysis of the portfolio. This position involves utilising insights gained from analytics to inform...

  • Credit Risk Manager

    1 week ago

    Johannesburg, Gauteng, South Africa Logic 360 Group Full time

    Job Purpose The Credit Risk Manager is responsible for the management of Credit Risk across the lifecycle of the unsecured loans portfolio. This not only includes being able to provide the strategic direction for the portfolio but also being able to undertake indepth analysis of the portfolio.This position involves utilising insights gained from analytics to...

  • Credit Risk Manager

    1 week ago

    Johannesburg, Gauteng, South Africa Milton Resourcing Full time

    As a Credit Manager, you will be responsible for a diverse range of tasks aimed at safeguarding the bank's financial health and maintaining a robust credit policy.Your key responsibilities will include but not be limited to:- Credit Assessments: Conducting thorough credit assessments of individuals and businesses to evaluate their creditworthiness and...