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Portfolio Manager: Credit Risk Specialist
2 months ago
As a Portfolio Manager for Credit Risk at TymeBank, you will play a pivotal role in analyzing, mitigating, and managing the risk-reward profile within the bank's portfolio of lending products. You will gain experience across multiple lending products currently offered by the bank, including Merchant Cash Advance, Personal Loan, MoreTyme (BNPL), TymeAdvance (Salary Advance), Grantadvance, Banking exposures, Sovereign holdings, and other products with further rollouts planned.
You will be involved in various regulatory initiatives, such as the ICAAP for the bank, the bank's RDARR program, as well as overseeing impairments and regulatory credit returns. Your ability to influence and contribute to all aspects of credit risk management for the bank's lending portfolio will be essential.
Key Responsibilities- Monitor the performance of the bank's credit portfolios, identifying trends and potential risks, and recommending appropriate risk mitigation strategies.
- Manage the strategic direction of the portfolio to maximize risk-adjusted returns.
- Prepare and present reports to senior management, highlighting key risk metrics, trends, and recommendations.
- Manage model risk for the bank's credit portfolio.
- Help drive RDARR compliance and ongoing improvements for the bank.
- Contribute to the efficacy of credit processes in the bank and help shape the credit risk appetite levels.
- Ensure optimal credit cut-off strategies are in place to optimize 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 bank, 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 Bank are appropriate and on track to deliver against expectations, 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 optimize profits.
- Ensure effective, fit-for-purpose monitoring and accurate reporting for all products within the bank's credit portfolio.
- Provide input to optimize customer payment strategies to prevent delinquency.
