Analyst - Portfolio Management.finance

2 weeks ago

Johannesburg, South Africa MTN Nigeria Full time

Title: Analyst - Portfolio Management

Number of subordinates: 0

MTN Job Level: L2

Location of the job:
Johannesburg, SA

Solid Reporting Line:
Manager: Portfolio Analytics

Dotted Reporting Line:
None

1. Mission / Core purpose of the Job

MTN is looking for a bright mind that will be responsible for in depth analysis of credit risk data across the entire credit lifecycle of the post-paid customer base, including consumers as well as businesses. Analyses done within this team support fact-based decisioning within the credit vetting process, billing, debt collection as well as other credit risk management activities. Furthermore, the role will entail predictive modelling to enable proactive credit portfolio management.

2. Context (Global influences, environmental / industry demands, organisational mission etc.)

Organisational Mission

MTN is evolving from a mobile communications provider to a digital platform operator where innovation, operational and commercial excellence is critical for success. To excel today and sustain future growth, MTN must develop the required capabilities internally to provide the market and customers with EPIC experiences, products and services which fulfil the belief that everyone deserves the benefits of a modern connected life.

Global Influences / Environmental & Industry Demands
- Highly dynamic and fluctuating Telecommunications industry
- Highly competitive market with new and established competitors
- Fast moving industry
- Legislative changes
- Legal parameters set by the insurance industry
- Rapid pace of digitalization
- Prevailing economic pressures affecting staff and customers
- Fluid complexities of customer expectations and demands
- Prevailing economic pressures affecting staff and customers
- Fluid complexities of customer expectations and demands

3. Key Performance Areas: Core, essential responsibilities / outputs of the position (KPAs)

The key performance areas include:
Credit Portfolio Analytics
- Monitoring and analysis of the performance of the credit portfolio in terms of ageing of debt, bad debt write-offs and their related vintages, along with root cause analysis to support book management.
- Analysis of the success of collections efforts, either performed internally or by external debt collectors.
- Collaboration with other functions such as Customer Value Management to ensure that Credit risk plays its part in a positive customer experience whilst managing the post-paid book effectively, e.g. modelling and analysis to support customer campaigns.

Predictive Modelling
- Conduct analysis and predictive modelling to predict customer payment behaviour, involuntary customer churn and bad debt write-offs and optimization of collection efforts.

Cross-workstream collaboration:

- Provide analytical support across the Credit Risk Analytics team as required.

Required Skills & Capabilities
- Knowledge and demonstrated skill on credit modelling techniques.
- Adaptability to various platforms and programming languages.
- Strong problem solving and analytical abilities.
- Understanding in using analytical concepts and statistical techniques on data integrity: hypothesis development, designing tests/experiments, analysing data, drawing conclusions, and developing actionable recommendations.
- Good communication and collaboration skills.

4. Job Requirements (Education, Experience and Competencies)

**Education**:

- 3-year Degree in Advanced Mathematics/Business Mathematics/Statistics/Risk Management, Honours preferable
- Programming course and qualifications/certifications will be advantageous.

**Experience**:

- Graduate to 3 years’ relevant credit risk experience
- Software: Oracle SQL, SAS, Power Bi, R, Python,

Behaviours and competencies:
Head - Big Picture Focus (20)
- Conceptual Thinker - Executes tactical plans to achieve strategic requirements
- Problem Solver - Has the mental agility to identify and solve relevant business challenges
- Improvement Driver - Executes and identifies opportunities for commercial innovation and continuous improvement

Heart - Emotionally Intelligent (30)
- Culture and Change Champion - Role models practices by living the MTN values and vital behaviours for others to follow
- Inspiring People Leader - Is self-aware and supports team capability development through opportunity creation for realising potential
- Relationship Builder - Builds professional networks across teams through collaboration and co-operation

Hands - Results Focused (40)
- Results Achiever - Produces sustainable business results
- Operationally Astute - sets priorities, plans, organises and co-ordinates the work of others

5. Authorities
- As per MTN Delegation of Authority (DoA)

6. Collaboration (Formal and Informal Relationships)

Responsibility towards:

- Senior Manager: Credit Risk Analytics, Manager: Portfolio Analytics and Senior specialists in the team.
- Matrix reports: None.
- Key customers: Internal stake holders such as Sales, Customer

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