Head of Credit Innovation and Digital Transformation

2 weeks ago

Cape Town, Western Cape, South Africa Old Mutual Full time

Job Summary

The Head of Credit Innovation and Digital Transformation is responsible for leading and overseeing all aspects of change initiatives within the credit risk domain. This role involves driving strategic changes, process enhancements, and technology implementations to optimize credit risk management practices.

Key Responsibilities

  • Develop a comprehensive change management strategy aligned with the credit risk function's goals.
  • Identify key stakeholders, assess their readiness for change, and create tailored communication plans.
  • Collaborate with senior leadership to prioritize change initiatives.
  • Evaluate existing credit risk processes and identify areas for improvement.
  • Lead process re-engineering efforts to enhance efficiency, accuracy, and risk mitigation.
  • Implement best practices and industry standards.
  • Work closely with supporting chapters (engineers, solution architects, etc.) to introduce new risk management systems or enhance existing ones.
  • Ensure smooth adoption of technology solutions by credit risk teams.
  • Provide training and support.
  • Foster a positive risk-aware culture within the organization.
  • Communicate the rationale behind changes, emphasizing risk management benefits.
  • Address any resistance to change and promote buy-in from stakeholders.
  • Define project scopes, objectives, and deliverables related to credit risk change initiatives.
  • Develop detailed project plans, allocate resources, and monitor progress.
  • Mitigate risks and address issues promptly.
  • Establish key performance indicators (KPIs) to measure the success of change efforts.
  • Regularly evaluate the impact of changes on credit risk processes and outcomes.
  • Adjust strategies based on performance data.

Requirements

  • Bachelor's degree in Mathematics, Economics, or related fields.
  • Minimum 8 years of experience in credit analysis or underwriting.
  • Familiarity with credit risk models and financial ratios.
  • Proficiency in programming languages (e.g., SAS Python, R) and data manipulation tools.

Competencies

  • Analytical Skills: Ability to interpret credit data and assess risk.
  • Decision-Making Ability: Sound judgment in credit evaluations.
  • Strategic: Identifies, understands, and acts on broader opportunities in order to drive longer-term value-adding change.
  • Collaboration (Relating): Proactively establishes and maintains relationships.
  • Customer First: Puts the customer at the heart of business decisions and drives to improve value for customers.
  • Innovation (Perspective): Demonstrates ability to relate to challenges from a range of diverse but relevant perspectives.
  • Personal Mastery (Learning): Learns and actively works to build self-awareness.

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