Analyst Credit Risk Cvm

6 months ago

Johannesburg, 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 Summary

To support the Manager: Portfolio analytics for the effective execution of the credit risk mandate with specific focus on the setting, review, and monitoring of the credit risk appetite within Everyday Banking (retail unsecured lending). The role also requires the incumbent to support in monitoring and strategic analytics that provide meaningful interpretation and narration of credit risk, leading to actionable conclusions and fact-based decisions in the management of portfolio shape and concentrations to achieve profit targets and to enable responsible book growth and management

**Job Description**:
Accountability: Credit Risk Appetite Setting / Review
- Identification of risk segments at product and customer level, based on default risk, volatility, and profitability
- Forecasting of balance rundowns and limit utilisations given Finance monthly booking forecasts
- Forecasting of income, cost, and impairment charges, given financial input assumptions and historical account behaviour within risk segments
- Setting vintage delinquency thresholds to trigger action by means of risk cutbacks in order to maintain risk levels within appetite
- Monthly monitoring of the adherence to risk appetite thresholds
- Monitoring continued relevance of risk appetite modelling assumptions

Accountability: Existing Customer Management
- Produce monthly reports for the Portfolio Quality Review to track portfolio movements and key risk metrics
- Monitor customer stress and key concentration risk metrics
- Produce analytics to identify and mitigate credit risk within the portfolio
- Analyse the impact of the current macro-economy, book growth, and bank initiatives on the credit health of the portfolio and the achievement of risk appetite.
- Diagnose root causes of concerns raised in observed book behaviour
- Identify opportunities to support and optimise responsible book growth and credit risk management

Accountability: Stakeholder management
- The above tasks would require liaising with, amongst others, the following teams under the guidance of the manager of portfolio analytics:

- Risk measurement / impairments
- Model development
- Acquisitions
- Finance
- Collections

Education and Experience Required
- Bachelor’s degree (post graduate degree preferred) in risk management, statistical analysis, actuarial science, business mathematics and informatics, econometrics or similar qualification

Knowledge & Skills:

- Proficiency in SAS (Base, Enterprise Guide or Viya), SAS EMiner advantageous
- Advanced MS Excel
- Understanding of credit risk and related statistical modelling
- Analytical and creative problem-solving skills
- Critical thinking
- Learning agility
- Good communication
- Time management and expectation management
- Strong work ethic
- Intrinsically motivated

Education

Bachelor's Degrees and Advanced Diplomas: Business, Commerce and Management Studies (required)
- Absa Bank Limited reserves the right not to make an appointment to the post as advertised_

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